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INDUSTRIES · HEALTHCARE

Coverage for practices where people are the product.

Clinics, home health, and care providers: professional, cyber, and benefits that help retain clinicians.

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THE HEALTHCARE STACK

What companies like yours usually carry.

Limits shown are common minimums, not advice.
E&O / professionalProfessional liability for clinical services$1M / $3MREQUIREDWorkers' compLifting, needlesticks, and patient handlingStatutoryREQUIREDCyber liabilityPatient records and HIPAA breach response$1MRECOMMENDEDMedical, dental, visionRetention in a competitive clinical labor market—RECOMMENDEDEmployment practicesScheduling, overtime, and termination disputes$1MRECOMMENDED
  1. 01
    HIPAA-ready cyber
    Breach response built for patient data.
  2. 02
    Shift staff on PAYG comp
    Premiums follow real hours, not estimates.
  3. 03
    Benefits that retain
    Plans benchmarked against local health systems.

TOP RISKS WE PLAN FOR

  1. 01Professional liability. Clinical errors and patient claims require dedicated malpractice coverage.
  2. 02Patient data. Health records make cyber and HIPAA breach response essential.
  3. 03Staff injuries. Patient handling and needlesticks drive workers’ comp claims.

HEALTHCARE QUESTIONS

Do you place medical malpractice?
Yes, through specialty markets for clinics and outpatient providers.
Can benefits help recruit clinicians?
Yes. We benchmark plans against local health systems.
YOUR PROGRAM AT A GLANCE

Every line a healthcare company typically needs, on one application.

FINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your servicesWORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollFINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liabilityEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriersWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claims

HOW IT WORKS FOR HEALTHCARE

  1. 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
  2. 02Market to carriers. We submit to carriers that actively write healthcare risks.
  3. 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
  4. 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.

WHAT WE'LL NEED TO QUOTE YOU

APPLICATIONS
  • ACORD 125
  • Carrier supplement
  • ACORD 130
  • Employee census + group application
DOCUMENTS
  • Description of services
  • Sample client contract
  • Prior claims, if any
  • Payroll by class code (from payroll)
  • Loss runs, 3–5 years
  • Current policy declarations
  • Experience mod worksheet
  • Security controls questionnaire

AFTER YOU BUY

  • Certificates on demand
    Issue COIs with additional insureds from your dashboard.
  • Claims advocacy
    Your advisor works the claim with the carrier.
  • Audits without surprises
    Payroll-based premiums reconcile as you go.
  • Renewal planning
    Options on the table 60 days before renewal.

WORTH CONSIDERING

EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityPROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and driversPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liability
TOOLCoverage finderCheck required lines for your states.TOOLSavings calculatorEstimate first-year value.GUIDELeaving a PEOOwn your plans and policies.WORKLIO HCMPayroll for healthcareIndustry pay rules, on one platform.
  • $35+ Billion
    PAYROLL AND TAXES PAID
  • 23+ Million
    ACH TRANSACTIONS
  • 4.3+ Million
    W-2S / 1099S PROCESSED
  • 2.8+ Million
    EMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
OTHER INDUSTRIESSenior careBehavioral healthDental + veterinary groupsManufacturingConstructionAuto dealer groupsFranchise groupsStaffingFacility servicesLogisticsRestaurantsHotelsProfessional servicesEducation + childcareNonprofits

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