Managing Risk:
Professional Liability Insurance

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

Professional Liability insurance, also known as Malpractice or Errors and Omissions insurance, is a critical coverage component of any comprehensive plan designed to properly safeguard health care organizations and the various professionals and paraprofessionals that they employ. A single mistake or oversight in treatment could lead to injury, illness or even death of a patient. Manchester Specialty Programs provides Entity Professional Liability coverage for each of the business risks we insure – from Home Care to Allied Health Care and Human/Social Services organizations.

We can tailor a policy to address the specific exposures of each health care niche, depending on the types of services they offer and the location where care is provided. The policy form protects insured businesses if they are sued for the errors, oversights or negligence of their employees, contractors or volunteers while carrying out their services. Our policy can cover the cost of defending an insured in court, settlements or court-ordered compensation, and other costs related to the claim (up to the policy limits). 

Our Professional Liability Coverage Features

  • Claims-made and occurrence based policies available
  • Limits available from standard $1M/$3M up to excess limits of $10M or more as required by contracts
  • Deductible plans available along with flexible retention levels
  • “Tail coverage” (extended reporting period) or prior acts coverage can be obtained for the organization in the event a claim is filed after the policy is terminated
  • Abuse & Molestation coverage with separate limits within the policy form
  • Coverage for HIPAA, cyber liability and regulatory audit exposures – including proceedings, fines and penalties
  • Coverage for employed physicians in the role of medical director or hands-on care including recertification of patients for Medicare purposes

At Manchester Specialty, along with our carrier partners, we understand how devastating a professional liability claim can be to an organization, both financially and to its reputation in the industry and the community at large. The ramifications are far-reaching, especially when dealing with elderly clients in need of care. To this end, through our carriers, we also provide risk management assistance to help mitigate risk and prevent losses. Firms with accreditation, favorable loss history and sound risk management practices are also eligible for premium credits on their policy.

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

Our programs and insurance products are offered exclusively through licensed agents and brokers in all states (we do not sell directly to health care firms). Clients have the advantage of working with their local insurance agent or broker of choice.

If you are an insurance agent or broker, please visit our Agent/Broker Resource Center to download/complete our Producer Agreement and start working with us.

If you are a health care firm, please share information on our program and our website with your local insurance agent; they can quickly access our program on your behalf to obtain a competitive quote.

For more information about our insurance programs, please call us at 1-855-972-9399.