Allied Health - CID Insurance

What We Write Allied Health

See Lexi’s Full List of Professional Products

CID offers Allied Health insurance products for your Long-Term Care, Healthcare, Social Service and Miscellaneous Medical risks.

Don’t see what you are looking for? Please call 1-800-922-7283 or contact your underwriter for more information about additional classes of business.

Adoption & Foster Placement Agencies

Target Clients:

Adoption Agencies
Foster Placement Agencies
New ventures and new ownership eligible

Coverages:

Error & Omissions Liability
General Liability
Cyber Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Adult Day Cares

Target Clients:

Adult day cares for the mentally impaired, developmentally disabled and mentally fully functional
New ventures and new ownership eligible

Coverages:

Error & Omissions Liability
General Liability
Employment Practices Liability
Cyber Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Alcohol & Substance Abuse

Target Clients:

Alcohol and substance abuse centers/services
New ventures and new ownership eligible

Coverages:

Error & Omissions Liability
General Liability
Employment Practices Liability
Cyber Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Chiropractors

Target Clients:

Chiropractors
Chiropractor offices

Coverages:

Professional Liability
Property
General Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Counseling Services

Target Clients:

Counseling services

Coverages:

Professional Liability
Property
General Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Dentist Offices

Target Clients:

General Dentistry
Endodontics
Oral/Maxillofacial Surgery
Anesthesiology
Periodontics
Prosthodontics
Orthodontics & more

Coverages:

Professional Liability
Employment Practices Liability
General Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Emergency & Non-Emergency Transport

Target Clients:

Emergency & non-emergency transport
Private passenger
Wheelchair transportation
Gurney transports
Ground ambulances
Med-flight/air ambulances
Ambulette and Medical Van services
Non-emergency ambulance services providing basic facility-to-facility transports, such as transportation from a hospital to a rehabilitation or nursing facility
Services should include only basic medical training for drivers and attendants, with limited use of EMTs for facility-to-facility transports
New ventures and new ownership eligible

Coverages:

Professional Liability
Employment Practices Liability
Property
General Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Home Health Care & In Home Support Services

Target Clients:

Professional & non-professional services
Services provided to individuals at their place of residence
Professional services by licensed nurses, RNs, LVNs, LPNs & physical therapists
Low acuity care providiers, including but not limited to nurse aides, home health aides, companions, homemakers, social workers, etc.
New ventures and new ownerships eligible

Coverages:

Property
General Liability
Professional Liability
Sexual/physical abuse included
Fidelity (1st& 3rd party)

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Medical Imaging Centers

Target Clients:

Medical Labs with Medical Imaging
Imaging Tests such as bone density scans, CAT/CT scans, EKG/EEG, Mammograms, MRI, PET scans, ultrasounds, x-rays, etc.
Lab Tests such as cytopathology, histopathology, HIV/AIDS testing, drug or alcohol testing, DNA testing, etc.
New ventures and new ownership eligible

Coverages:

General Liability
Professional Liability
MED-Defense Liability
Employment Practices Liability
Hired & Non-owned Auto Liability
Excess Liability up to $5 million
Workers’ Compensation

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Medical Staffing

Target Clients:

Home health care agencies providing all acuity levels of care in private homes, hospitals, nursing homes, etc.
Temporary staffing agencies placing medical workers in hospitals, nursing homes, clinics, rehab facilities, etc.
Nanny staffing and referral agencies
New ventures and new ownerships eligible

Coverages:

Property
General Liability
Professional Liability
Sexual/physical abuse included
Fidelity (1st& 3rd party)

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Medical/Day Spas

Target Clients:

Eyelash extensions, ear piercing, hair stylists, nail technicians
Microblading and permanent makeup (up to 99% of operations)
Massage therapy, facials, make-up application
Tanning beds and spray booths

Coverages:

Professional Liability
Employment Practices Liability
Property
General Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Miscellaneous Medical

Target Clients:

Surgical centers
Dialysis centers
Assisted living facilities/Residential care facilities
Radiologists
Rehab centers
Imaging centers
Home care staffing
New ventures and new ownership eligible

Coverages:

General Liability
Professional Liability
MED-Defense Liability
Employment Practices Liability
Hired & Non-owned Auto Liability
Excess Liability up to $5 million
Workers’ Compensation

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Outpatient Medical Facilities

Target Clients:

Ambulatory surgery centers
Outpatient rehabilitation facilities
Outpatient clinics
Emergency care/urgent care centers
Dialysis centers, health/wellness clinics
Diagnostic testing labs
X-ray or imaging lab
Mental health counseling
Medical day spas
New ventures and new ownership eligible

Coverages:

General Liability (Package or mono-line)
Errors & Omissions Liability
Excess Liability up to $10 million

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Pharmacies

Target Clients:

Retail & Wholesale
Providing services for hospitals, nursing homes, extended care facilities, etc.
New ventures and new ownership eligible

Coverages:

Errors & Omissions Liability
General Liability
Cyber Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Physical Therapy Clinics

Target Clients:

Physical therapy clinics

Coverages:

Errors & Omissions Liability
General Liability
Cyber Liability
Employment Practices Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Physicians & Surgeons

Target Clients:

Variety Physicians & Surgeons

Coverages:

Errors & Omissions Liability
General Liability
Cyber Liability
Employment Practices Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Residential Care Facilities

Target Clients:

Long term care Facilities to include all levels of care: skilled nursing, assisted living, transitional or independent living, and group homes for the elderly
Continuing Care Retirement Communities (CCRC)
Hospices
Group homes for troubled youth
Group homes for developmentally disabled
Shelters and halfway houses
Personal care homes
Adult family homes
Adult foster homes
Non-medical substance abuse rehab facilities
New ventures and new ownership eligible

Coverages:

Errors & Omissions Liability
General Liability
Cyber Liability
Employment Practices Liability
Excess Liability up to $10 million

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Social Services

Target Clients:

Drug & alcohol counselors
Counseling services
Crisis Hotline
Food Bank
Job Placement
Meals on Wheels
Rehabilitation Agency
Referral Agency
Sheltered Workshop
Vocational/Family Skills Training
Mental Health Counseling
Big Brother/Sister or similar program
New ventures and new ownership eligible

Coverages:

General Liability
Professional liability
Employment Practices Liability
Sexual Abuse & Molestation
Hired & non-owned auto liability
Workers Compensation

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Surgery Centers

Target Clients:

Ambulatory Surgery Centers doing a variety of procedures
New ventures and new ownership eligible

Coverages:

General Liability
Professional Liability
Excess Liability up to $10 million
Workers’ Compensation

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Weight Loss Clinics

Target Clients:

Weight loss clinics
New ventures and new ownership eligible

Coverages:

Error & Omissions Liability
General Liability
Employment Practices Liability
Cyber Liability

Requirements:

See “applications” for specific form to complete
State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA