Managing Risk:
Management Liability Insurance

Management Liability Coverage
for Home Care, Allied Health and Human/Social Services

Today’s environment for health care organizations is constantly changing, presenting new and challenging exposures for management – from cyber security issues to sexual harassment and other workplace disputes. Manchester Specialty Programs provides Home Care, Allied Health and Human/Social Services organizations with a flexible Management Liability insurance program to address today’s complex landscape. We offer Directors’ & Officers’ (D&O) Liability insurance as well as Employment Practices Liability insurance (EPLI) including risk management services from our carrier partners to help with employment screening, verification and background checks and overall human resources management.

Directors’ and Officers’ (D&O) Liability Insurance

Directors’ & Officers’ Liability coverage offers protection to the directors and officers of public, private and non-profit organizations for decisions they make regarding the operation of the business, including mergers and acquisitions, which may cause others a financial loss. Lawsuits can be made against directors and officers from attorneys general, providers, patients and customers, creditors, regulators, employees, competitors and the company itself.

Our coverage is designed to protect the financial health of the organization as well as personal assets of a health care organization’s directors and officers. D&O Insurance will often pay for legal fees, financial settlements, damages, and some civil penalties if assessed.

In addition, our D&O policy can be designed to provide coverage for allegations of Medicare/ Medicaid health care fraud and abuse, including Recovery Audit Contractor (RAC) and ZPIC audits. For risks that qualify, the definition of “regulatory claim” can include coverage for a search warrant, subpoena, notice of investigation, or contact letter including but not limited to any health care fraud and abuse claim, including a RAC audit notice or letter. Also included is Consulting Reimbursement for expenses involving D&O and EPL consulting costs to improve your business.

Employment Practices Liability (EPL) Coverage

The Home Care, Allied Health and Human/Social Services sectors consist of a broad spectrum of employees, making strong employment practices critical and a sound insurance and risk management plan essential. Allegations of unfair treatment of employees span every aspect of personnel relations—hiring, terminations, overtime pay, leave, promotions, and inter-office relationships, to name just a few. Complaints of sexual harassment and racial and gender discrimination are often commonplace. Moreover, organizations accused of employment practices violations can face costly penalties from the Equal Employment Opportunity Commission (EEOC) or Human Rights Commission (HRC) and expensive defense fees. That’s where Employment Practices Liability insurance responds —it pays for legal costs, settlements and damages associated with employment practices allegations.

Partnering with Us:
We’re Dedicated to Insuring the Health Care Industry

Our experience and commitment to the home care industry goes back to 1976 when our President and CEO’s father, Warren L. Thompson, was the first in the insurance marketplace to design specialized insurance coverage for home health care organizations. Our commitment continues as we focus on serving the broader Home Care, Allied Health and Human/Social Services sector as a leading source of “all lines” insurance coverage. Our programs are exclusively offered through our broker partners, and provide unparalleled underwriting experience, excellent service and competitive pricing. For more information about our programs and becoming a broker partner with us, please call us at 855-972-9399.