Adult Day Care - Full Solution
Offered by International Underwriting Agency IUA
Adult Day Care Child Care Adult Assisted Living Adult Care Workers Compensation Commercial Auto YMCA YWCADescription
International Underwriting Agency 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 the emergency needs of PINS (People in Need), i.e., thrift shops, heating services, domestic violence and 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 clients learning – stuffing envelopes, packaging, could even include some landscaping, working in a thrift store.
- Food Banks
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 for Non-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
Details
Appointment Required
Carrier Information
Admitted
Non-Admitted
Rating A- or higher
Rating By AM Best
Listing Contact
Edward Ha Vice President of IUA
Offered By
Availability 24 states
Covered
Not Covered