Program · Senior Care & Allied Health
Coverage built for the regulatory, abuse-liability, and HPL realities you actually face.
Adult daycare. NEMT and paratransit. Healthcare staffing. Residential care. Specialty insurance placed by someone who knows the markets that still write this class, the exclusions that matter, and how to package a submission that gets quoted instead of declined.
Who I work with
Operators across the senior-care and allied-health spectrum.
Adult daycare
Licensed adult day health centers, dementia daycares, social-model programs.
NEMT / paratransit
Non-emergency medical transport, wheelchair vans, dialysis runs, broker-contracted networks.
Healthcare staffing
Travel nurses, per-diem RN/LVN, allied health, locum tenens, home health aides.
Residential care
Assisted living, memory care, board-and-care facilities.
Why operators come to me
"My broker can't place us anymore."
Markets shift constantly in this class. I have surplus-lines access and the carrier relationships to keep your policies in force, even after a non-renewal.
"My HPL/abuse premium just doubled."
Some markets are still pricing competitively. They just don't show up on rate-shop sites. I know which ones, and what they want to see in your submission.
"I'm being audited or sued."
Claims handling, state-survey response, risk-management referrals. I help operators stay insurable through the worst quarters.
Coverage we place
General Liability
Occurrence and claims-made forms, including residents-as-guests endorsements where needed.
Healthcare Professional Liability (HPL)
Per-occurrence or per-claim, with consent-to-settle clauses where applicable.
Abuse & Molestation
Standalone or sub-limit. Critical for adult daycare, residential care, NEMT, and staffing.
Property + Business Interruption
Replacement-cost property with BI structured around census and per-resident revenue.
Auto (incl. NEMT)
Resident transport, wheelchair vans, ambulettes, paratransit contracts, hired & non-owned auto.
Workers' Compensation
Class-code accuracy is everything. I review every comp policy for misclassification.
Cyber + EPLI
HIPAA-aligned cyber towers and EPL coverage tailored to high-turnover staffing.
Professional Liability for Staffing
Medical professional liability for placed nurses, allied health, and per-diem staff.
How the process works
- 1.
Intake call
15–30 mins. We confirm classes, exposures, prior losses, contracts.
- 2.
Submission
I package it for the right markets. You review before it goes out.
- 3.
Quote review
We compare line-by-line, not just on premium.
- 4.
Bind
Documents, certificates, and a mid-term check-in 90 days post-bind.
Ready to start a submission?
Send your dec pages and I'll come back within one business day with a path forward.