Allied Health Commercial Insurance Solutions
Competitive Rates for Allied Health Care Coverage Available in Most States
Healthcare Business Classes

Healthcare Classes

Clients who work in healthcare face unique risks due to the intimate nature of their work and patients’ high expectations. Your allied health clients’ needs vary greatly depending on their specialty. To clarify our desired risk criteria, we’ve divided classes into several subcategories:

Counseling, Home Health, and Psychology Professionals

  • Home health (non-medical)
  • Mental health counselor
  • Wellness counselor
  • Marriage and family therapist
  • Psychologist
  • Occupational therapist
  • Faith-based counselor

Physical, Speech, and Other Therapy Professionals

  • Personal trainer / fitness instructor
  • Physiotherapists
  • Music therapist
  • Massage therapist
  • Art therapist
  • Dance therapist
  • Drama therapist
  • Audiologists
  • Speech therapists

Spas

  • Day spa
  • Medical spa

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Lines of Business

Counseling, Home Health, and Psychology Professionals

  • General Liability Insurance
  • Professional Liability Insurance
  • Non-Owned Auto Insurance
  • Cyber Liability Insurance

Physical, Speech, and Other Therapy Professionals

  • General Liability Insurance
  • Professional Liability Insurance
  • Property Insurance
  • Cyber Liability Insurance
  • Hired / Non-Owned Auto Insurance

Spas

  • General Liability Insurance
  • Professional Liability Insurance
  • Cyber Liability Insurance
  • Hired / Non-Owned Auto Insurance
  • Terrorist Attack Insurance

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Coverage Highlights

Counseling, Home Health, and Psychology Professionals

  • Coverage available across the country
  • General Liability AND Professional Liability limits of $1M / $3M, can be offered as a package
  • Cyber Liability, Hired / Non-owned Auto, and Terrorist Attack up to $100K at no additional cost
  • Sexual Abuse / Misconduct between $100K−$300K covered with no additional cost
  • No additional cost for entities that grow midterm or anytime in future
  • Coverage offered for up to $2 million revenue
  • No minimum revenue requirements
  • Home-based businesses or companies that travel to clients home may be eligible

Physical, Speech, and Other Therapy Professionals

  • Coverage available across the country
  • General Liability, Professional Liability, and Property limits of $1 M / $3M can be offered as a package or monoline
  • No minimum revenue limits
  • Sexual Abuse / Misconduct coverage between $50K−$100K covered with no additional cost (Note: This can be expanded for additional premium.)
  • Businesses that work with children may be eligible

Spas

  • General Liability and Professional Liability limits of $1M /$3M can be offered as a package. (Note: This can be expanded for additional cost if necessary.)
  • Cyber Liability, Hired Non-Owned Auto, and Terrorist Attack can be added for no additional costs.
  • Coverage available for:
    • Tanning.
    • Eyelash extension.
    • Chemical peel.
    • Microdermabrasion.
    • Permanent makeup.
    • Botox.
    • Skin care procedures.
    • Various injection procedures.
  • Minimum revenue must be $50K for these classes.

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Eligibility Attributes

Eligible Risk Attributes

To find out more about the eligibility requirements for any healthcare professional, contact an Insureon Solutions producer today.

Ineligible Risk Attributes for Counseling, Home Health, and Psychology Professionals

  • Working with children
  • Working with felons, inmates, or visiting prison

Ineligible Risk Attributes for Physical, Speech, and Other Therapy Professionals

  • Working with felonies, inmates, or visiting prison
  • Working with water (e.g., using water body as therapy)
  • Working with chemicals (e.g., chemical peal, tan, etc.)
  • Working with sharp objects (e.g., needles)
  • Tumbling, gymnastics, and martial arts

Ineligible Risk Attributes for Spas

  • Registered nurses and medical doctors who provide services (consulting or signing off procedures are accepted)
  • Providing services for children
  • Providing in-home services (if service provided in clients home or personal home)

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