Inside our insurance programs for healthcare facilities.

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Broad, Nimble Coverages Available for Your Healthcare Clients

As a national wholesaler, Highland Risk Services provides agents and brokers with long-term sustainable coverage solutions for health care providers and operations throughout the country. Our risk appetite incudes a wide range of for-profit and non-profit businesses that comprise this sector including hospice, skilled nursing homes, assisted living facilities, home health care agencies, independent living facilities, CCRCs, allied health care, clinics, medical imaging centers, and others. Our insurance products are designed to address the liability and property exposures the healthcare industry faces – from trips and falls to allegations of patient mistreatment and misconduct, data breaches, claims of employee discrimination or harassment, business interruption and much more. We also provide property coverage for facilities in high-risk areas, including on the coast.

As part of our comprehensive portfolio of insurance products, your clients will also have access to risk management services to help prevent adverse outcomes from occurring.

Liability

  • Professional & General Liability coverage on a claims-made or occurrence basis
  • Primary limits up to $1M per claim/$3M aggregate
  • Options for deductible and first-dollar policies
  • Excess & Umbrella limits up to $25 million
  • Employment Benefits Liability included
  • Coverage extensions for medical director coverage, medical expenses, evacuation expenses, public relations expenses and cyber /privacy breaches
  • Risk management services
  • High-deductible plans, swing-plans and other program structures available, either stand-alone or in conjunction with existing self-insured/captive programs
  • For-profit & not-for-profit organizations
  • Separate towers for PL & GL available

Property

  • Limits up to $50 million per location
  • Low-deductible policies (starting at $1,000 deductible)
  • Extensions for business interruption/extra expense, boiler & machinery, crime
  • Coverage for locations vulnerable to natural catastrophes

Commercial Automobile

  • Coverage for auto liability and comp/collision
  • Hired and non-owned auto coverage
  • Coverage for non-standard vehicles such as small buses and vans
  • Residents transport coverage

Employment Practices Liability insurance (EPLI)

  • Full entity coverage
  • Definition of Employee includes leased and contract employees
  • Broad definition of “claim”
  • Up to $20 million capacity

We Focus on Supporting Your Future Growth

What we do is not as important as how we do it. We invite you to explore the Highland Risk difference. Just give us call at (847) 832-9100 to learn more about us, our coverage lines and programs and how we can serve you and your clients’ needs.