Program Administrators - Aon Affinity
Aon Affinity
Company Description
INSURANCE SOLUTIONS FOR HEALTHCARE RISKS
Use our Specialized Insurance Programs to Build Your Book of Business
Protection You Can Count On
Affinity Healthcare provides you with a stable resource and experienced insurance professionals who can help you place the unique coverage required by your valued healthcare clients.
Services Provided to our Broker Partners
We specialize in offering professional liability and other insurance solutions to 50 classes of healthcare facilities and over 90 classes of individual healthcare providers—and we place your clients through financially stable carriers rated ‘A’ or better by A.M. Best.
Our broker partners receive such support services as:
- Underwriting
- Rating
- Policy issuance
- Customer service
- Billing
- Late notices
Respected in the Healthcare Industry
Our exclusive professional insurance programs are endorsed by more than 80 national and state healthcare associations. We work with our carrier and association partners to continually enhance our programs, ensuring they stay contemporary with the ever-evolving healthcare environment.
Start Working with Affinity Healthcare Today!
As insurance specialists, we understand your business. We know what it takes to quote, bind and service an insurance policy. To encourage repeat business with us, we make the sales and renewal processes as smooth as possible for you and your clients. We look forward to writing business with you!
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY
Programs & Coverages
Dentist's Advantage
Professional Liability Insurance for Dental Practices
Since 1949, Dentist’s Advantage has provided dental practitioners with access to a comprehensive professional liability insurance program that offers a vigorous legal defense against allegations of dental malpractice.
Program Overview
- Flexible coverage limits - Eight professional liability coverage options are available up to $5 million per occurrence/$6 million aggregate.
- License defense protection - In the event of a state licensing board complaint, dentists receive up to $50,000 of coverage for legal representation.
- Legal defense expenses - Legal defense costs are paid over and above the professional liability coverage limits.
- All dental specialties included - Coverage is provided for the range of professional dental services your client is allowed to practice as defined within their license.
- Coverage for hard-to-place dentists - We are able to place dentists with high claims experience through an alternative market. The program offers limits up to $2 million per claim/$4 million aggregate. Higher limits available with underwriting approval.
- Protection for entire office - Covers the owner(s), dentists, hygienists, independent contractors and all employees all under one policy.
- Corporate Identity Protection (optional) - To help protect dentists against today’s emerging cybercrime, the policy offers up to $100,000 of coverage for cyber liability, notification costs, credit monitoring, forensic services, crisis management and more.
- Available in all 50 states
Premium credits available
- 10% NSDP risk management premium credit
- 75% first year premium credit for dental school graduates
- Up to 20% premium credit for AGD members
- 50% premium credit for part-time dentists
- Up to 15% premium credit for group practices
To learn more about our Dental Program or how to join our broker network, contact:
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY
Healthcare Facilities and Providers
HEALTHCARE PROVIDERS SERVICE ORGANIZATION
Insurance Designed for Healthcare Facilities and Providers
Since 1990, Healthcare Providers Service Organization (HPSO) has been providing insurance solutions to healthcare facilities and individual providers. Together with its affiliate, Nurses Service Organization (NSO), HPSO provides professional liability insurance and risk management information to 40,000 healthcare facilities and one million healthcare providers throughout the U.S.
Eligibility
We offer professional liability and other insurance products to 50 classes of healthcare facilities and over 90 classes of individual healthcare providers. Below is a sampling of the eligible classes.
Healthcare facilities
- Aesthetic Centers/Medispas
- Physical Therapy Facilities
- Home Health Care Agencies
- Counseling
- Pharmacies
Individual providers
- Aestheticians
- Counselors
- Occupational Therapists
- Pharmacies
- Physical Therapists
- Physician Assistants
Program highlights
- Professional liability: up to $1,000,000 each claim/up to $3,000,000 aggregate (higher limits available)
- License protection: up to $25,000 aggregate
- Defendant expense benefit: up to $25,000 aggregate
- Deposition representation: up to $10,000 aggregate
- Personal injury protection: up to $1,000,000 each claim/up to $3,000,000 aggregate (higher limits available)
- Enterprise privacy protection: up to $25,000 aggregate (higher limits available)
- Assault coverage: up to $25,000 aggregate (not available in Texas)
- Damage to property of others: up to $10,000 aggregate
- Personal liability coverage: up to $1,000,000 aggregate
- Medical payments: up to $25,000 per person/up to $100,000 aggregate
- First aid expenses: up to $10,000 aggregate
- Sexual misconduct/abuse: up to $25,000 aggregate
To learn more about the Healthcare Providers Service Organization or how to join our broker network, contact:
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY
Home Medical Equipment Dealers (HMED)
Insurance Designed for HMED Facilities
Whether your client is a manufacturer, wholesaler, supplier, retailer or patient care facility, Affinity Healthcare can help. Our dedicated sales and underwriting teams work closely with you to learn your client’s operations and provide them with an insurance program designed to help cover their specific risks.
Commercial insurance products1
- Commercial Property
- CMS-Required DMEPOS Surety Bond
- General Liability (Premises/Products)
- Corporate Identity Protection
- Professional Liability
- Commercial Auto
- Commercial Umbrella
- Crime
- Employment Practices Liability
- Workers’ Compensation
Program highlights
- General Liability premium credits available:2
- Separate General Liability and Professional Liability limits up to $1,000,000 per claim/$2,000,000 aggregate per year, with an optional $3,000,000 aggregate
- General Liability is non-auditable
- Building and contents includes inventory, machinery, accounts receivable, computers and equipment breakdown
- Property coverage includes business interruption
- Commercial Umbrella Liability limits up to $10,000,000
To learn more about the Home Medical Equipment Dealers Insurance Program or how to join our broker network, contact:
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY
Ambulances & Non-Emergency Medical Transportation
Insurance Designed for Ambulances and Non-Emergency Medical Transportation
In response to our broker partner requests, Affinity Healthcare worked with our network of carriers to develop a specialized insurance program for ambulances and non-emergency medical transportation. One of the selling features of the program is the removal of the exclusion on the professional liability plan for injuries that arise out of loading or unloading patients from automobiles, aircraft or watercraft.
Eligible classes
- Emergency Transportation providers such as ambulance services
- Medical Transportation providers such as wheelchair van transportation services
Lines of coverage
- Commercial Auto
- Professional Liability
- Commercial General Liability
- Excess Liability
- Commercial Property
- Commercial Inland Marine
Program highlights
- Coverage under the program meets federal, state and local governmental agency requirements
- Commercial Auto provides single limit liability up to $1 million
- Commercial Auto includes Hired/Non-owned Auto Liability
- Professional Liability includes Healthcare Facilities Endorsement that removes exclusion for injuries that arise out of loading/unloading patients from motor vehicles, aircraft or watercraft
- Commercial General Liability coverage up to $1 million each claim/$3 million aggregate
- Excess Liability provides limits up to $10 million
- Commercial Property is underwritten by a carrier rated A++ (Superior) by A.M. Best
- Commercial Inland Marine provides coverage for portable equipment
To learn more about the Medical Transportation Insurance Program or how to join our broker network, contact:
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY
Nonprofit Senior Living Organizations
Insurance Designed for Nonprofit Senior Living Organizations
Insuring a senior living organization can be complex. That’s why it’s important to partner with someone like Affinity Healthcare that provides 30 years of experience working with senior living organizations, product expertise that can help strengthen your client relationships and support services that help you make the sale and allow you to grow your agency.
Eligible classes of business
- Continuing Care Retirement Communities (CCRCs)
- Skilled Nursing Facilities (SNFs)
- Assisted Living and Personal Care Operations
- Independent Living/Senior Housing Operations
- Home & Community Based Services for the Elderly
- Program of All-Inclusive Care for the Elderly (PACE)
Available coverage
- Building & Personal Property
- New enhancements include:*
- Property of Patients: $5,000 per patient/$25,000 each described premises
- Patients' Money & Securities on Described Premises: $500 per patient/$5,000 per occurrence
- Spoilage (food, medicines, fluids): $75,000
- Food Contamination & Communicable Disease: $25,000
- Emergency Vacating Expense: $25,000
- Landslide, Mine Subsidence, Earth Sinking: $25,000
- New increased limits for Ordinance or Law, Utilities Services and Backup of Sewers & Drains now available
- New enhancements include:*
- Professional Liability/General Liability
- New enhancements include:
- Coverage for employed physicians providing direct patient care available**
- Healthcare liability expense reimbursement coverage for HIPAA and disciplinary proceedings ($30,000 each/$60,000 annual aggregate)
- Increased limits available for abusive acts alleged participant defense expense coverage
- Reduced professional liability rates in Alabama, Arkansas, Florida and Mississippi
- Blanket additional insured
- New enhancements include:
- Workers’ Compensation
- Directors’ & Officers’ Liability
- Business Income/Extra Expense
- Equipment Breakdown
- Inland Marine
- Crime
- New Investigating Expense coverage*:
- Applies to all seven crime coverages, such as Employee Theft, Money/Securities & Computer Fraud
- Pays up to 20% of coverage limit, subject to $25,000 maximum
- New Investigating Expense coverage*:
- Commercial Automobile
- Excess Liability
Program highlights
- Abusive Act Liability
- Crisis Management Coverage
- E-Discovery Regulatory Investigation Expenses
- Volunteer Worker Medical Payments Coverage
- Administrative Proceeding Expense Reimbursement
- Ability to provide coverage for employed physicians providing direct patient care
- Clinical Trials, Counseling Service, Social Service, Beautician and Barber Services included
- 10% GL/PL risk management credit upon completion of web-based risk management course
To learn more about the Nonprofit Senior Living Commercial Insurance Program or how to join our broker network, contact:
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY
Nursing Professionals
NURSES SERVICE ORGANIZATION
Insurance Designed for Nursing Professionals
Since 1976, Nurses Service Organization (NSO) has been providing insurance solutions to nursing professionals and facilities. With over 650,000 nursing professionals and 25,000 nurse practitioners insured, NSO is the nation's largest provider of nurses’ professional liability insurance in the U.S. today.
Eligibility
Together with our affiliate, Healthcare Providers Service Organization (HPSO), NSO offers professional liability and other insurance products to 50 classes of healthcare facilities and over 90 classes of individual healthcare providers. Below is a sampling of the eligible classes.
Healthcare facilities
-
Aesthetic Centers/Medispas
-
Home Health Care Agencies
-
Nurse Practitioner Clinics
-
Nurse Registries
-
Staffing Firms
Individual providers
- Aestheticians
- RN, LPN, LVN
- Nurse Practitioners
- Clinical Nurse Specialists
- Legal Nurse Consultants
- Student Nurses
Program highlights
- Professional liability: up to $1,000,000 each claim/up to $6,000,000 aggregate (higher limits available)
- License protection: up to $25,000 aggregate
- Defendant expense benefit: up to $25,000 aggregate
- Deposition representation: up to $10,000 aggregate
- Personal injury protection: up to $1,000,000 each claim/up to $3,000,000 aggregate (higher limits available)
- Enterprise privacy protection: up to $25,000 aggregate (higher limits available)
- Assault coverage: up to $25,000 aggregate (not available in Texas)
- Damage to property of others: up to $10,000 aggregate
- Personal liability coverage: up to $1,000,000 aggregate
- Medical payments: up to $25,000 per person/up to $100,000 aggregate
- First aid expenses: up to $10,000 aggregate
- Sexual misconduct/abuse: up to $25,000 aggregate
To learn more about Nurses Service Organization or how to join our broker network, contact:
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY
Optometrists
HEALTHCARE PROVIDERS SERVICE ORGANIZATION
Insurance Designed for Optometrists
While some professional liability insurance plans provide limited malpractice coverage to optometrists, we’ve made sure the Healthcare Providers Service Organization (HPSO) Optometrist Program cover the range of professional optometric services provided within each state’s defined scope of practice.
Program highlights
- Professional Liability Insurance
- General Liability Insurance
To learn more about the Optometrists Insurance Program or how to join our broker network, contact:
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY
Orthotics & Prosthetics
Insurance Coverage Designed for O&P Businesses
Affinity Healthcare is an insurance leader for the O&P industry. Whether your client is a patient care facility, manufacturer, distributor or supplier, the O&P Insurance Program was designed to help meet their unique needs.
Commercial insurance products
- Commercial Property
- General Liability (Premises/Products)
- Professional Liability
- Commercial Auto
- Commercial Umbrella
- Crime
- Workers’ Compensation
- Employment Practices Liability*
- CMS-Required DMEPOS Surety Bond
- Corporate Identity Protection
Program highlights*
- Premium savings: 15% premium credit available for ABC or BOC-accredited facilities, as well as discretionary credits available for claim-free status, risk management course attendance and longevity in business
- Broad coverage: Building property protection is on an ‘agreed value’ basis so no co-insurance penalties are assessed after a loss
- Income protection: Our Business Income coverage is written on an ‘actual loss sustained over a 12 month basis’ so your client’s coverage is not limited to a dollar value
- Separate liability limits: While some insurers combine General Liability and Professional Liability, we offer separate limits for each so your client receives more coverage in the event of a loss
- Non-auditable general liability: We do not audit your client’s books, meaning no adjustment bills at the end of the policy year
*Not available in all jurisdictions.
To learn more about the O&P Insurance Program or how to join our broker network, contact:
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY
Physicians & Surgeons
PHYSICIAN ALLIANCE
Insurance Designed for Physicians & Surgeons
Physician Alliance has over 30 years of experience offering affordable medical malpractice insurance to physicians and surgeons through reliable, stable insurance carriers. We monitor the medical malpractice marketplace. We know which carriers are not accepting new submissions, which medical specialties carriers prefer and those that can be more difficult to place.
Eligible professionals
- Solo physicians or surgeons
- All size physician practices
- All specialties considered
- Physicians practicing telemedicine
Program highlights
- Standard and alternative markets available
- Occurrence form (where available)
- High limits of liability
- Individual and group coverage forms and pricing
- Protection for individuals, legal organizations, staff, employee, volunteers
- Peer review and utilization review
- Defendant's reimbursement
- Defense of state regulatory investigations
- Substitute physician's coverage (Locum Tenens)
- Defense costs in addition to policy limits
- Premium financing services
To learn more about Physician Alliance or how to join our broker network, contact:
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY
Allied Healthcare Schools
STUDENT BLANKET INSURANCE PROGRAM
Insurance Designed for Allied Healthcare Schools
Approximately 1,500 allied healthcare schools, from community colleges to large consortiums with multiple locations, entrust their professional liability insurance to the Student Blanket Program.One out of three allied healthcare schools in the U.S. is covered through the Student Blanket Program, making it the largest professional liability insurance program of its kind in the U.S.
Student Blanket coverage
- Professional Liability: $1 million per claim/$5 million aggregate or $2 million per claim/$5 million aggregate
- Legal Defense Costs: Paid in addition to liability limits
- Grievance Proceedings: $10,000 aggregate/$1,000 per proceeding
- Defendant Expense Benefit: $10,000 aggregate
- Deposition Representation: $5,000 aggregate/$1,000 per deposition
- Assault Coverage: $25,000 aggregate/$1,000 per incident (not available in Texas)
- Medical Payments: $100,000 aggregate/$2,000 per person
- Damage to Property of Others: $10,000 aggregate/$250 per incident
- First Aid Expenses: $25,000 aggregate/$500 per incident
Program highlights
- Choice of up to $1 million or up to $2 million per claim, with $5 million aggregate limits of liability
- School, faculty and students all covered under one policy
- All allied healthcare programs for nurses, physical therapists, counselors and others consolidated under one policy
- More than 90 healthcare specialties covered at the same rate
- Rates as low as $13 per student regardless of specialty; competitors often charge higher rates for physician assistant, nurse practitioner, paramedic, EMT students and others
- Premium discounts for schools with over 500 students
- All school sizes from small community colleges to large consortiums eligible
- 35 years of experience insuring institutions of higher learning
To learn more about the Student Blanket Insurance Program or how to join our broker network, contact:
877.256.6215
Teresa DeCecco Ext. 1 Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV
Stu Holloway Ext. 2 Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN
Bernard Holicky Ext. 3 Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI
Russ Johnston Ext. 4 California
Anthony Burnham Ext. 5 West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY