Who should carry allied healthcare liability insurance?

Allied health professions such as medi spas, home healthcare providers, mental health counselors, group homes, adult day care, and rehab centers should carry coverage to protect against liability claims.

What coverages are available under Novatae’s AHP program?

Available coverages include medical professional and general liability, employee benefits liability, non-owned and owned auto, and cyber liability protection.

Is the program available nationwide?

Yes, Novatae’s allied healthcare liability program is available nationwide, except in WV, HI, and AL.

Are new ventures eligible for coverage?

Yes. Novatae’s allied healthcare liability insurance program accepts both established organizations and new ventures, subject to underwriting review.

PROTECTING OUR VITAL health providers

Allied Healthcare Liability Insurance

Allied health providers play a critical role in today’s healthcare system, but they also face unique risks tied to patient safety, service delivery, and regulatory compliance. From medi spas and urgent care centers to group homes and behavioral health facilities, allied health providers require specialized protection that goes beyond standard liability coverage.

Novatae offers wholesale allied healthcare liability insurance programs designed to help retail brokers place tailored solutions for their clients. With flexible coverage options, access to A-rated carriers, and decades of experience in hard-to-place risks, our team ensures that your clients get the protection they need at competitive terms.

Program Highlights

Coverage extends to employees, volunteers, and students acting on behalf of the agency
Directors, officers, and trustees included under the policy
Commercial general liability form includes:
- Bodily injury and property damage
- Personal injury
- Employee benefits
- Products and completed operations
Broad definitions for:
- Professional incident
- Territory
- Named insured
- Contractual liability
Claims-made policy form
Flat premiums not subject to audit
Available nationwide

Available Coverages

Medical professional liability/commercial general liability
Employee benefits liability
Non-owned auto liability
Owned auto liability
Cyber liability

Core Target Classes

Novatae places allied healthcare liability insurance programs across a wide spectrum of allied health professions, including:

Medi Spas & Weight Loss Clinics

Specialized coverage for medi spas, wellness centers, and weight loss clinics, addressing risks tied to cosmetic treatments, aesthetic procedures, and client health outcomes.

Home Healthcare – Medical & Companion Care

Protection for home healthcare providers delivering medical services, nursing, or companion care in patients' homes, covering risks from medical errors to professional negligence.

Alcohol & Drug Rehabilitation Facilities (Inpatient & Outpatient)

Tailored insurance for rehab centers treating substance abuse, including both inpatient and outpatient programs, covering exposures related to counseling, detox services, and patient safety.

Group Homes

Coverage designed for residential group homes serving vulnerable populations, addressing risks tied to supervision, resident safety, and professional care delivery.

Adult Day Care Facilities

Liability protection for adult day care centers supporting seniors and adults with special needs, covering accidents, negligence claims, and operational risks.

Mental Health & Counseling Providers

Comprehensive liability coverage for mental health professionals, including counselors, therapists, and social workers, protecting against claims of professional negligence or misdiagnosis.

Urgent Care & Surgical Centers

Specialized coverage for urgent care clinics and outpatient surgical centers, safeguarding against malpractice claims, treatment errors, and general liability exposures.

Get A Quote

Why Brokers Partner with Novatae

Expertise in AHP risks: Our underwriting team understands the nuances of allied health professions and can navigate exclusions, endorsements, and regulatory requirements that may otherwise create gaps in coverage.
Flexible program design: From small agencies to multi-state providers, Novatae helps retail brokers tailor insurance solutions to fit the scale and complexity of each client.
Access to specialty markets: As both an MGA and wholesale broker, Novatae delivers placement options that standard carriers may not offer, including coverage for higher-risk classes.

FAQs for Allied Healthcare Liability Insurance

What is allied healthcare liability insurance?

Allied healthcare liability insurance protects allied health professionals and facilities from claims of negligence, errors, or omissions in patient care, as well as general liability exposures tied to operations.

Who needs AHP coverage?

Allied health professions such as medi spas, urgent care centers, rehab facilities, adult day care providers, and home healthcare agencies benefit from this protection.

What's the difference between medical malpractice and allied healthcare liability?

Medical malpractice typically applies to physicians and hospitals, while allied healthcare liability is tailored to non-physician providers and facilities, addressing their distinct exposures.

Can Novatae write coverage nationwide?

Yes. Novatae's AHP programs are available nationwide and in U.S. territories.

Does coverage extend beyond employees?

Yes. Policies can include volunteers, students, directors, officers, and trustees acting on behalf of the insured organization.

Partner with Novatae

Novatae makes it easier for retail brokers to place comprehensive allied healthcare liability insurance programs for clients in a wide range of allied health professions. From emerging risks like med spas to established providers like group homes and urgent care, we help ensure no gaps remain in coverage.

Contact Novatae today to access specialized AHP solutions backed by A-rated carriers.

PROTECTING OUR VITAL health providers