Adult Day Care - Full Solution

IUA has the markets that will offer full insurance solution for Adult Day Care, Home Health Aids and other Social Services.

GL, PL, Property, Auto and WC (WC will be a separate company)(WC does not apply to Home Health Aids with Living Exposure more than 5%)

IUA Allied Health - Acceptable Risks:

• Home Health Agencies that provide skilled, therapeutic,companion care, personal care & hospice(in-home care & facilities)

• Adult Day Care facilities

• Nursing/Medical Staffing

• Durable Medical Equipment Dealers

• Diagnostic Imaging – X-Ray Centers

• Dialysis Centers

• Pharmacies (No compounding)

• Testing Services

• TBI Services – Traumatic Brain Injury

• Case Management (non-governmental)

• Home-Delivered Meals

• Respite Care

• Community Action Agencies – Address theemergency needs of PINS (People in Need), i.e.,thrift shops, heating services, domestic violenceand resource & referrals to other agencies

• Counseling – Alcohol/Drug (outpatient only)

• Employee Assistance Programs – EAP’s

• Family Services – Housing, HEAP (non-gov’t)

• Mental Retardation Developmentally Disabled

• Centers – MRDD or Cerebral Palsy Centers

• Sheltered Workshops – MRDD, TBI clientslearning – stuffing envelopes, ackaging, couldeven include some landscaping, working in athrift store.

• Food Banks

AM Best A- and Better Carriers

Coverages:

• Occurrence & Claims Made Options for GL & PL

• Separate $1 MIL/$3 MIL limits for GL & PL

• Separate $1 MIL limit for Hired—$1 MIL limit forNon-owned Auto

• Separate Abuse or Molestation Limits up to $1 MIL

• EPLI Coverage

• Unlimited Defense costs outside the limit

• Property/Inland Marine Coverages

• Crime including Theft of Client’s Property

• Up to a $5 MIL Excess Liability

• Primary Auto with supporting coverage

• The program is available countrywide

Submission Requirements:

• Completed and Signed App (Non HIIG apps accepted)

• Acord Applications (Property, GL, Automobile)

• 5 Year currently valued, carrier loss runs

• Current state inspection (If applicable)

• Current license (If applicable)

• Resume of the owner and/or operator(If in business less than 3 years)

• Brochure or website (If available)BOP, CPP, GL, Property, Liquor Liability, EPLI, D&O, Auto and Umbrella

Product Details

  • Varies
  • Yes
  • Yes
  • Yes

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Availability

Covered
Not Covered
AL, CA, CO, CT, DC, DE, FL, GA, IL, IN, LA, MA, MD, MI, NC, NJ, NY, OH, PA, SC, TN, TX, VA, WV

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Contacts

Name Title Email Phone
Eddie Ha Marketing eha@iua.bz