How To Insure Your Health Care Costs

Transcription

1 A L L I E D H E A LT H P R O G R A M S ALLIED HEALTH Our program o ers Professional Liability and General Liability to a variety of professionals. ALLIED HEALTH COVERAGES Group Homes Home Health Long Term Care Facilities Assisted and Intermediate Care Outpatient Medical Facilities (Labs, Clinics, Surgical, Rehab) Social Service Agencies Medical Clinics Imaging Labs HIPAA Professional and General Liability. Sexual Misconduct, HNOA, Privacy, Property, and other ancillary coverage lines. Limits are available up to $5,000,000 with minimal deductibles. Other Options: We can also o er the same program for your Medical Professional and Nursing Sta Registry accounts. To receive pricing information, call our o ce Oncology Centers Pharmacies Physical Therapy Clinics Dialysis Centers Audiologists Dietician Nutritionist Music Therapist Occupational Therapist Speech Pathologist Perfusionists We know the Allied Health Industry.

2 A N T I - A G I N G P R O G R A M S AN T I - A G I N G ANTI-AGING COVERAGES Anti-Aging Centers are becoming popular across America, and have a need for insurance coverage. Nutritional Counseling Dietitian Services Wellness Analysis Lipotropics Cellulite Reduction Vitamin Treatments Hormone Treatments Yoga & Pilates Policy packages the full General and Professional Liability and can include Property Coverage. $ 3,000,000 aggregate available. Excess Liability is available up to $ 5,000,000. Competitive premiums with no minimum. Low deductibles. T o receive pricing information, call our o ce Medispas Products Liability Weight Loss including: Hcg, Phentermine, Phendimetrazine & Didrex W e k n o w t h e A n t i - A g i n g I n d u s t r y.

3 B E A U T Y P R O G R A M S BE A U T Y Beauty insurance is available for an individual technician or the entire facility. Our Beauty programs have always been BEAUTY COVERAGES for services that other carriers might not, and can be designed to meet the unique needs of today's ever changing beauty salon. Estheticians Facials & Peels Microdermabrasion Electrolysis LED / Microcurrent Body Wraps Massage Eyelash Enhancement Professional Liability (Malpractice) General Liability (Premises or Slip & Fall ) Property Insurance (Physical damage to your equipment) T o receive pricing information, call ce Pilates & Yoga Eyebrow Enhancement Airbrush Tanning Tanning Salons Hair Salons Nail Salons Hydro Massage Wax Removal Sauna & Spas W e k n o w t h e B e a u t y I n d u s t r y.

4 M E D I C A L A E S T H E T I C S I N S U R A N C E L A S E R C E N T E R S B O D Y C O N T O U R I N G Policies can be purchased on behalf of who host Cosmetic / Medical Aesthetic Services or by the doctor, nurse, aestheticians or anyone who can legally operate within their state. (Invasive Serives available to MD only) COVERAGES We can cover the entire facility or individuals operating in single or multiple locations. Body Contouring Laser Insurance Laser Hair Removal Cellulite Reduction Radio Frequency IPL Insurance Ultrasound Assisted Lipolysis Ablative & Non-Ablative Lasers CO2 Fractional Laser Laser Assisted Lipolysis Policy packages the full General and Professional Liability and can include Property coverage. $3,000,000 aggregate available. Excess Liability is available up to $ 2,000,000. Competitive premiums with no minimum. To receive pricing information, call our o ce Lipotropic Medical Assistant Coverage Medical Director Coverage Tumescent Liposuction We k n o w t h e M e d i c a l A e s t h e t i c s I n d u s t r y.

5 B O D Y P I E R C I N G P R O G R A M S BODY PIERCING Professional Liability coverage for Body Piercing Shops is available for the owner and can include all employees and independent contractors. BODY PIERCING COVERAGES Body Piercing Shop Insurance with all Piercers Body Piercing Insurance for Independent Contractors Option to include Tattoo Insurance Professional Liability for Piercing Shops General Liability for Shops Piercing of Minors Landlord endorsements to meet leases Guest Piercers Package coverage to include your General and Professional Liability. Policies can include coverage for your Business Personal Property. Coverage available for the entire shop, individuals or independent contractors. Claims on communicable disease are on the increase, Competitive pricing. T o receive pricing information, call ce Coverage at Conventions Mobile Units (including General Liability) Communicable Disease Sexual Abuse Apprenticeship Programs Property Coverage for Fire, Theft, & other related perils Coverage for Signs, Glass, Flash, Loss of Business Income W e k n o w t h e B o d y P i e r c i n g I n d u s t r y.

6 C L A I M S M A D E P R O D U C T S L I A B I L I T Y P R O G R A M S CLAIMS MADE PRODUCTS LIABILITY This coverage is available for risks that are Manufacturing, Importing / Exporting, Distributing and Private Labeling. CLAIMS MADE PRODUCTS LIABILITY COVERAGES Manufacturers Distributors Private Label Risks Importers Exporters True Worldwide coverage is available for claims brought anywhere in the world. Limits available up to $5,000,000 with various deductible options. Retroactive coverage is available for risks renewing from another carrier. T o receive pricing information, call our o ce Tattoo Medical Devices Research & Development We know the Claims Made Products Liability Industry.

7 D A Y S P A P R O G R A M S DAY SPA DAY SPA COVERAGES Day Spa Insurance is available for an individual technician or the entire facility. If coverage is needed for a new procedure or the Day Spa has a unique exposure or other insurance issues, contact us. Our program can be designed to meet the unique needs of today's ever changing Day Spa. Facial & Peels M icrodermabrasion Wax Removal Massage B ody Wrap Eyelash Enhancement Eyebrow Enhancement Professional Liability (Malpractice) General Liability (Premises or Slip & Fall ) Property Insurance (Physical damage to your equipment) Other Options: Sexual Abuse, Excess Liability, and Franchisors. T o receive pricing information, call ce Airbrush Tanning Hair & Nails LED / M icrocurrent Elec trolysis Produc ts Liabilit y Permanent Makeup W e k n o w t h e D a y S p a I n d u s t r y.

8 G R A P H I C D E S I G N P R O G R A M S GR A P H I C DESIGN Our Graphic Designer's Insurance policy protects against claims including defense costs, alleging errors, omissions or negligent acts arising out of graphic design. GRAPHIC DESIGN COVERAGES I ndividual Graphic Designers Graphic Design Businesses Services covered: Logo design for new companies and/or branding, logo redesign, corporate identity; stationary, flyer, brochure, catalog, annual report, point of sale, signage, and web site design. Professional Liability. Designer I nterns General Liability. (Can be added.) We know the Graphic Design Industry.

9 H O M E B A S E D M A N U F A C T U R E R S P R O G R A M S HOME BASED MANUFACTURERS HOME BASED MANUFACTURERS COVERAGES Manufacturers Distributors Private Label Risks We are offering coverage to home based risks that are manufacturing cosmetics products (ie: lotions, creams, soaps, salt scrubs,) out of all natural ingredients. Coverage is offered for risks that design their own packaging formulation and distribution for the product line. Only available for distribution and sales of the products in the United States. Allows for risks that have gross receipts up to $50,000 per year. Low minimuns. We know the Home Based Manufacturers Industry.

10 H O S P I C E P R O G R A M S HO S P I C E We offer comprehensive General Liability, Professional Liability and Property insurance programs designed specifically to meet the needs of Hospice facilities. HOSPICE COVERAGES Medical Director Liability Sexual Misconduct Physical Abuse Hired and non-owned automobile liability. Commercial property and business interruption. Indemnity to mortgagees landlords or lessors of leased equipment. Limits available up to $ 5,000,000 Contractual Liability Other Options: We can also offer the same program for your Allied Health, Medical Professional and Nursing Staff Registry accounts. Tenants Liability Network Security Loss Mitigation Medical Expense W e k n o w t h e H o s p i c e I n d u s t r y.

11 L A S E R C E N T E R P R O G R A M S LASER CENTERS Coverage is available to professionals within the Laser industry including: Technicians, Aestheticians (where state law allows it); Nurses, Doctors and MediSpas. LASER COVERAGES Laser Hair Removal Laser Professionals (which includes Photo Facials, Age/Sun Spots, Veins, Acne Reduction, Rosacea) Cellulite Reduction with Cold Level Lasers or Class III & IV Lasers Radio Frequency including Thermage Lasers / IPL Policy packages the full General and Professional Liability and can include Property Coverage. $3,000,000 aggregate available. Excess Liability is available up to $ 5,000,000. Competitive premiums with no minimum. Ultrasound Assisted Lipolysis (can include fat transfers) Laser Toe Fungus Removal Laser Tattoo Removal Ablative & Non-Ablative Laser Work CO2 Fractional Laser Laser Smoking Cessation Laser Acupuncture Laser Allergy Relief W e k n o w t h e L a s e r I n d u s t r y.

12 L O C U M T E N E N S P R O G R A M S LOCUM TENENS Our programs for Locum Tenens offers coverage for group policies with multiple providers receiving individual limits of liability, with 1, 2, 3, year tail options. LOCUM TENENS COVERAGES Doctors Nurses Nurse Practitioners Physician Assistant Medical Assistant Medical Directors Claims made Professional Liability Coverage with a written demand trigger and consent-to-settle with hammer. Limits available up to $ 1,000,000 / $ 3,000,000. Broadened coverage which may include incident coverage trigger, defense outside the limit, limited DD&R provision and supplementary payments. Preferred pricing available for select risks with favorable claims history. Low acuity specialty and other merits. To receive pricing information, call our office Home Health Care Long Term Health Care Hospice E-health Telemedicine W e k n o w t h e L o c u m Te n e n s I n d u s t r y.

13 L O N G T E R M H E A LT H C A R E P R O G R A M S LO N G T E R M HEALTH CARE We offer comprehensive General Liability, Professional Liability meet the needs of Long Term Health Care facilities. LONG TERM HEALTH CARE COVERAGES Professional and General Liability. Assisted Living I ndependent Living Long Term Care Home Health Care Adult Day Care Centers Sexual Misconduct, HNOA, Privacy, Property, and other ancillary coverage lines. Limits are available up to $ 5,000,000 with minimal deductibles. Other Options: We can also offer the same program for your Allied Health, Medical Professional and Nursing Staff Registry accounts. Medical Direc tors To receive pricing information, call our office Housekeeper Sitter Host Home Live -in Companion Group Home Residence Manager Hospice Care We know the Long Term Health Care Industry.

14 M A S S A G E P R O G R A M S MA S S A G E Massage insurance is available for an individual technician or the entire facility. MASSAGE COVERAGES Professional Liability (Malpractice) Facial & Peels M icrodermabrasion Wax Removal Massage B ody Wraps Eyelash Enhancement General Liability (Premises or Slip & Fall ) Property Insurance (Physical damage to your equipment) Coverage is available in all states. Other Options: Sexual Abuse, Excess Liability, and Franchisors. Eyebrow Enhancement Airbrush Tanning Hair & Nails LED / Microcurrent Elec trolysis Produc ts Liabilit y Permanent Makeup W e K n o w T h e M a s s a g e I n d u s t r y.

15 M E D I C A L A E S T H E T I C S P R O G R A M S ME D I C A L AESTHETICS MEDICAL AESTHETICS COVERAGES We can cover the entire facility or individuals operating in single or multiple locations. Hormone Treatments B otox / Dermal Fillers Cellulite Reduc tion Dietitians/Wellness Analysis Hair Restoration hcg Weight Loss Endovenous Treatment Limits available up to $ 5,000,000. Doctors, Nurses, PA's, Aestheticians and any others that can legally operate within their state. Low deductibles. Competitive pricing. Laser & IPL M edical Direc tors M edical Peels M esotherapy & Lipodissolve M icrodermabrasion Permanent Cosmetics S clerotherapy Vitamin I njec tions Weight Loss We Know The Medical Aesthetics Industry.

16 M E D I C A L D E V I C E P R O G R A M S ME D I C A L DEVICES MEDICAL DEVICE COVERAGES Manufac turers Distributors Clinical Trials Research & Development I mpor ters Coverage is available for Manufacturers and Distributors of Medical Devices. Most risks that are selling devices to hospitals or other healthcare professionals are eligible for coverage. Products Liability. Including or excluding General Liability. Business Property. Professional Liability for Clinical Trials. Worldwide coverage is available. Limits available up to $ 5,000,000 with deductibles. W e K n o w T h e M e d i c a l D e v i c e I n d u s t r y.

17 M E D I C A L D I R E C T O R P R O G R A M S ME D I C A L DIRECTORS We have written coverage for Medical Directors in many kinds of facilities and are considering new ones every day. MEDICAL DIRECTOR INSURANCE COVERAGES Occupational Therapy Clinics Women's Health Clinics Research Laboratories Prison Systems Large Businesses Medical Spas Colleges, Schools, & Universities Medical Director Insurance is available for direct, in-direct and no patient care. Retroactive coverage is available. No deductibles. Limits available up to $ 1,000,000 & $ 3,000,000. Competitive pricing. Long Term Care Facilities Salons & Spas Animal Ranches Tattoo Businesses We know the Medical Director Industry.

18 M E D I C A L L A B O R A T O R I E S & C L I N I C S P R O G R A M S LABS & CLINICS We offer Professional Liability Coverage for Laboratories and Clinics. MEDICAL LABORATORIES & CLINICS COVERAGES Medical Testing Facilities Imaging Facilities Individual Technicians Doctors Laboratory Technicians Medical Technicians Pathology Laboratories Clinical Microbiology Laboratories Genetic Laboratories Coverage can include Medical Directors for their administrative duties and for their direct patient care. Professional Liability and General Liability on a claims made basis with prior acts is available as needed. Programs for: Medical Testing Facilities, Imaging Facilities, Doctors, RNs, PAs, and Laboratory Technicians. Property coverage. Limits available up to $ 5,000,000. Low deductibles. Clinical Biochemistry Laboratories Hematology Laboratories Drug & Alcohol Screening Laboratories Mobile Drug / Alcohol Testing We know the Medical Labs & Clinics Industry.

19 M M E D I C A L & R E C R E AT I O N A L M A R I J U A N A P R O G R A M S EDICAL & RECREATIONAL MARIJUANA Our Marijuana Program is available in all states where marijuana is legal (recreational and medical marijuana). We can cover most aspects of the marijuana industry including: MEDICAL & RECREATION A L MARIJUANA COVERAGE S Indoor Growing Outdoor Growing Dispensaries Recreational Retail Dispensaries and Retail Outlets Growing Operations Indoor and outdoor including greenhouses Indoor Crop Bakeries Infusion Centers Testing Labs Products Liability Lessors risk for landlords leasing to marijuana facilities Schools Optional Coverages Include: Governmental actions reimbursement Property Coverage including coverage for buildings, tenant improvements, business personal property, finished stock, indoor crop Products Liability Transportation of marijuana from grower to dispensary or dispensary to patient Equipment breakdown, money & securities, accounts receivable and valuable papers Bakeries Infusion Centers Co-ops Hydroponic Stores Edible Manufacturers Testing Laboratories We know the Medical & Recreational Marijuana Ind u s t r y.

20 M E D I S P A P R O G R A M S ME D I S P A Policies can be purchased on behalf of MediSpas who host the Cosmetic / Medical Services or by the doctor, nurse, aestheticians or anyone who can legally operate within their state. MEDISPA COVERAGES We can cover the entire facility or individuals operating in single or multiple locations. BioIdentical Hormones Botox Dysport Xeomin Carboxy Therapy Cellulite Reduction Colon Hydrotherapy Dermal Fillers Dietitians / Wellness Analysis hcg Endovenous Treatment Vitamins Laser Assisted Lipolysis Vaser Assisted Lipolysis Lasers, IPLs, & LEDs Latisse Prescriptions Lipotropic Medical Assistant Coverage Medical Director Coverage Medical Peels Mesotherapy Microdermabrasion Permanent Cosmetics Radio Frequency Sclerotherapy Wart Removal Weight Loss Policy packages the full General and Professional Liability and can include Property coverage. $3,000,000 aggregate available. Excess Liability is available up to $ 5,000,000. Competitive premiums with no minimum. W e k n o w t h e M e d i S p a I n d u s t r y.

21 O U T P A T I E N T M E D I C A L F A C I L I T Y P R O G R A M S OU T P A T I E N T MEDICAL FACILITIES We offer comprehensive General Liability, Professional Liability and Property insurance programs designed specifically to meet the needs of Outpatient Medical facilities. OUTPATIENT MEDICAL FACILITY COVERAGES Medical Spas Laser Centers Occupational Therapy Clinics Long Term Care Facilities Mental Health Facilities Outpatient Medical Facilities (Labs, Clinics, Surgical, Rehab) Professional and General Liability. Sexual Misconduct, HNOA, and Privacy. Property and other ancillary coverage lines. Limits are available up to $5,000,000 with minimal deductibles. Other Options: We can also offer the same program for your Allied Health, Medical Professional and Nursing Staff Registry accounts. Clinical Trials Research Facilities Spas & Salons Hormone Treatment Centers Weight Loss Centers Medical "Banks" We know the Outpatient Medical Facility Industry.

22 P E R F U S I O N I S T P R O G R A M S PE R F U S I O N I S T S Our program for Perfusionists can cover the entity including its employees and/or independent contractors. PERFUSIONISTS COVERAGES Clinical Perfusionist Cardiovascular Perfusionist Independent Contractors Employees Coverage automatically includes sexual abuse and Privacy Liability. Standard Limits of $ 1,000,000 / $ 3,000,000 with options available up to $ 5,000,000 / $ 5,000,000. Option to include General Liability. Can cover the entity including its employees and/or independent contractors. Non auditable policy. Claims made coverage with the option to include retro where needed. W e k n o w t h e P e r f u s i o n i s t I n d u s t r y.

23 P E R M A N E N T C O S M E T I C S P R O G R A M S PE R M A N E N T COSMETICS Our specialized Permanent Cosmetic insurance program is among the most comprehensive in the industry. Coverage is available for facilities and for individuals. PERMANENT COSMETICS COVERAGES Professional Liability (Malpractice) Permanent Cosmetics Insurance for Eyes, Brows, & Lips Nipple Areola Cheek Blush Permanent Cosmetic Teachers (no per student charge) General Liability (Premises or Slip & Fall ) Property Insurance (Physical damage to your equipment) Other Options: and Communicable Disease. Teaching, Pigment Lightening / Removal Pigment Removal Needling/Mutitrepannic Collagen Actuation (MCA) Aesthetic Services Landlords We know the Permanent Cosmetics Industry.

24 P H A R M A C I E S P R O G R A M S PH A R M A C I E S INCLUDING COMPOUND Our Pharmacy (including Compounding) program is available on a claims made form. PHARMACIES COVERAGES Pharmacies Compounding Closed Door Wholesale & Retail Operations Veterinar y Medicines Limits available up to $ 5,000,000. General Liability can be included. Retroactive coverage available where needed. Network/Data Breach Policies also available for this class. W e K n o w T h e P h a r m a c i e s I n d u s t r y.

25 S SMOKE SHOP AND E-CIGARETTE PROGRAMS MOKE SHOPS This rapidly growing market requires special coverage. We provide insurance for the following: SMOKE SHOP COVERAGE S Vape Shops Hooka Lounges Cigarette Shops Cigar Shops Vape Shops Hooka Lounges Cigarette Shops Cigar Shops General Liability Building Coverage Business Personal Property Inventory Including Theft Loss of Business Income Signs and Glass Limits to 2 million. Offered in all states, except for MS, AL and WV. If you don t see the type of services you offer listed above, contact our office to see if we can consider. To receive pricing information, call our office We k now the Smoke Shop Industry.

26 TA N N I N G A N D D AY S PA P R O G R A M S TANNING & DAY SPA DAY SPA / TANNING COVERAGES Insurance is available for an individual technician or the entire facility. Our Tanning and Day Spa programs have always been able to keep current with new trends and to offer coverage for services that other carriers might not, and can be designed to meet the unique needs of today's ever changing Day Spa or Tanning Shop. Tanning Salons Estheticians Facials & Peels Microdermabrasion Electrolysis Professional Liability (Malpractice) General Liability (Premises or Slip & Fall ) Property Insurance (Physical damage to your equipment) LED / Microcurrent Body Wraps Massage Eyelash Enhancement To receive pricing information, call our office Eyebrow Enhancement Airbrush Tanning Hair Salons Nail Salons Hydro Massage Wax Removal Sauna & Spas W e k n o w t h e Ta n n i n g I n d u s t r y.

27 T A T T O O P R O G R A M S TA T T O O Professional Liability coverage for Tattoo Shops is available for the owner and can include all employees and independent contractors. TATTOO COVERAGES Tattoo Parlor including all Artists Tattoo Artist as Independent Contractors Professional Liability General Liability Minor Tattooing Guest Artists Body Piercing Permanent Cosmetics (Eyeliner, Brows, Lips) Package coverage to include your General and Professional Liability. Policies can include coverage for your Business Personal Property. Coverage available for the entire shop, individuals or independent contractors. Claims on communicable disease are on the increase, our policy offers the option for this coverage. Non-auditable policy. Competitive pricing. Pigment Lightening / Removal Communicable Disease Sexual Abuse Apprenticeship Programs MCA/Needling Landlords Property Insurance W e k n o w t h e T a t t o o I n d u s t r y.

28 T E A C H I N G P R O G R A M S TE A C H I N G Our program covers Professional Liability for the facility and students. It is available for individual technicians, facilities, national chains and franchises. TEACHING COVERAGES Professional & General Liability. Property insurance. Laser (Facilities or Individual Instructors) Cosmetology & Beauty Schools Aesthetician Programs Medical Spa (Facilities or Individual Instructors) No location limitation. No per student rate. Limits available up to $5,000,000. To receive pricing information, call our office Massage Schools Company trainers for Botox & Dermal Fillers Tattoo & Body Piercing Instructors / Apprenticeships Medical Assistant Schools Doctors & Nurses Providing Hands on Training W e k n o w t h e Te a c h i n g I n d u s t r y.

29 T R A N S L A T I N G & I N T E R P R E T I N G P R O G A M S TRANSLATOR & INTERPRETER TRANSLATOR & INTERPRETER COVERAGES Our Professional Liability policies protect you against claims alleging errors, omissions and/or negligent acts from your Translating Services. Our policies are rated based on gross receipts and can include coverage for sub contractors and/or employees as long as those receipts are included (Sub-contractors and/or employees must be working under named insured on policy). Translators I nterpreters M edical I nterpreters (Coverage for Bodily Injur y and/or Proper t y Damage) Alleging Error Omissions & Claims (Can include editing, t ypesetting, proofreading, printing and/ or publishing) Liability limit options available are $ 250,000, $ 500,000 $ 1,000,000 with optional aggregate limits of $ 2,000,000 and $ 3,000,000. Coverage for Professional Liability is offered on a claims made basis. Optional coverage for General Liability is available on an occurrence form at a low additional premium. Additional insured Certificates are available at no additional premium. Defense Cost Coverage Negligent Ac ts Employees & Sub - Contrac tors We know the Translating & Interpreting Industries.

30 W E I G H T L O S S P R O G R A M S WEIGHT LOSS Weight loss centers are rapidly becoming popular across America. Centers that offer weight loss, appetite suppressants and other wellness services have a need for insurance coverage. WEIGHT LOSS COVERAGES hcg Phentermine Phendimetrazine Lipotropics Didrex Nutritional Counseling Policy packages the full General and Professional Liability and can include Property Coverage. $ 3,000,000 aggregate available. Excess Liability is available up to $ 5,000,000. Competitive premiums with no minimum. Dietitian Services Wellness Analysis Cellulite Reduction Vitamin Treatments Hormone Treatments Yoga & Pilates Medispas Products Liability W e k n o w t h e W e i g h t L o s s I n d u s t r y.

31 W E L L N E S S P R O G R A M S WE L L N E S S Wellness Centers are becoming popular and have a need for insurance coverage. WELLNESS COVERAGES Policy packages the full General and Professional Liability and can include Property Coverage. Nutritional Counseling Dietitian Services Wellness Analysis Lipotropics Mesotherapy Fat Transfers Tumescent Liposuction $ 3,000,000 aggregate available. Excess Liability is available up to $ 5,000,000. Competitive premiums with no minimum. Laser Assisted Lipolysis Ultrasound Lipolysis Cellulite Reduction Vitamin Treatments Hormone Treatments Yoga & Pilates Medispas Products Liability Weight Loss including: Hcg, Phentermine, Phendimetrazine & Didrex W e k n o w t h e W e l l n e s s I n d u s t r y.