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 Ÿ Ext. 1 Ÿ Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV

Stu Holloway Ÿ Ext. 2 Ÿ Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN

Bernard Holicky Ÿ Ext. 3 Ÿ Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI

Russ Johnston Ext. 4 California

Anthony Burnham Ÿ Ext. 5 Ÿ 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 Ÿ Ext. 1 Ÿ Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV

Stu Holloway Ÿ Ext. 2 Ÿ Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN

Bernard Holicky Ÿ Ext. 3 Ÿ Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI

Russ Johnston Ext. 4 California

Anthony Burnham Ÿ Ext. 5 Ÿ 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 Ÿ Ext. 1 Ÿ Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV

Stu Holloway Ÿ Ext. 2 Ÿ Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN

Bernard Holicky Ÿ Ext. 3 Ÿ Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI

Russ Johnston Ext. 4 California

Anthony Burnham Ÿ Ext. 5 Ÿ 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
• 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
• 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
• 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 Ÿ Ext. 1 Ÿ Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV

Stu Holloway Ÿ Ext. 2 Ÿ Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN

Bernard Holicky Ÿ Ext. 3 Ÿ Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI

Russ Johnston Ext. 4 California

Anthony Burnham Ÿ Ext. 5 Ÿ 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 Ÿ Ext. 1 Ÿ Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV

Stu Holloway Ÿ Ext. 2 Ÿ Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN

Bernard Holicky Ÿ Ext. 3 Ÿ Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI

Russ Johnston Ext. 4 California

Anthony Burnham Ÿ Ext. 5 Ÿ 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 Ÿ Ext. 1 Ÿ Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV

Stu Holloway Ÿ Ext. 2 Ÿ Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN

Bernard Holicky Ÿ Ext. 3 Ÿ Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI

Russ Johnston Ext. 4 California

Anthony Burnham Ÿ Ext. 5 Ÿ 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 Ÿ Ext. 1 Ÿ Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV

Stu Holloway Ÿ Ext. 2 Ÿ Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN

Bernard Holicky Ÿ Ext. 3 Ÿ Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI

Russ Johnston Ext. 4 California

Anthony Burnham Ÿ Ext. 5 Ÿ 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 Ÿ Ext. 1 Ÿ Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV

Stu Holloway Ÿ Ext. 2 Ÿ Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN

Bernard Holicky Ÿ Ext. 3 Ÿ Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI

Russ Johnston Ext. 4 California

Anthony Burnham Ÿ Ext. 5 Ÿ 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 Ÿ Ext. 1 Ÿ Northeast: CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT, WV

Stu Holloway Ÿ Ext. 2 Ÿ Southeast: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN

Bernard Holicky Ÿ Ext. 3 Ÿ Central: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, OK, SD, TX, WI

Russ Johnston Ext. 4 California

Anthony Burnham Ÿ Ext. 5 Ÿ West: AK, AZ, CO, HI, ID, MT, NM, NV, OR, UT, WA, WY