Allied Medical & Healthcare Liability

Flexible, modular insurance designed for outpatient care, emerging healthcare services, and tech-enabled providers. Available as stand-alone Professional Liability or packaged with General Liability, our Allied Healthcare solution adapts to the complex needs of today’s healthcare businesses.

A look at the numbers

31%

Of Allied healthcare business owners experienced a liability claim in the past five years

$242K

Average cost of an Allied Professional Liability claim*

37%

Increase in indemnity payments over the past five years

*Physicians Insurance

Built for small businesses

Thousands of small businesses use Counterpart’s insurance product offerings and risk management services to manage some of their most complicated risks

Home Healthcare Services

Example

Home Healthcare Services

State:

California

Limit:

$1,000,000

Retention:

$2,500

Premium:

$2,684

Day Spa

Example

Day Spa

State:

Georgia

Limit:

$1,000,000

Retention:

$0

Premium:

$1,865

Medical Transport - NEMT

Example

Medical Transport - NEMT

State:

Florida

Limit:

$1,000,000

Retention:

$1,500

Premium:

$3,846

Physical Therapy

Example

Physical Therapy

State:

North Carolina

Limit:

$1,000,000

Retention:

$5,000

Premium:

$22,788

Medical Staffing

Example

Medical Staffing

State:

Ohio

Limit:

$1,000,000

Retention:

$2,500

Premium:

$11,860

Urgent Care Clinic

Example

Urgent Care Clinic

State:

Alabama

Limit:

$1,000,000

Retention:

$1,000

Premium:

$8,706

Imaging Facility

Example

Imaging Facility

State:

California

Limit:

$1,000,000

Retention:

$1,000

Premium:

$6,780

We cover 300 + more industries

Across all 50 states

State:

Limit:

Retention:

Premium:

What is covered?

Modular Coverage

Flexible limits up to $3,000,000 / $6,000,000

Professional & General Liability

With coverage for Products Completed Operations included

Sexual Abuse & Physical Misconduct

Flexible limits up to $2,000,000 / $4,000,000

Technology Based Care

Protection for telehealth, virtual care, AI-driven services, and technology-based platforms

Built-In Enhancements

Coverage for regulatory, reputational, and data / network liability risks

Additional Features

Include pollution liability, pre-claims expense, HIPAA violations, disciplinary actions, off-label treatment, and emergency remediation

+ Much more

And dozens of other coverages that are designed to help business grow with less risk

Download our full coverage & appetite guide

Claims Examples

Remediation

Cost: $395,000

Time to resolve:

1-2 years

Example

A diagnostic imaging center, as part of its routine professional services, generated low-level radioactive waste — including used syringes — and contracted a licensed third-party vendor for proper disposal. Unknown to the imaging center, the vendor illegally disposed of the waste in violation of environmental regulations. Regulatory authorities traced the waste back to the imaging center and held it strictly liable, despite its reliance on a third party. The center faced substantial fines, penalties, and cleanup costs related to the improper disposal.

Scheduled Physician

Cost: $150,000

Time to resolve:

6-12 months

Example

Following Botox injections administered by a scheduled physician, a medical spa patient developed facial swelling, pain, and a rash. The patient alleged that the provider failed to review allergy history, obtain informed consent, and deliver adequate post-treatment instructions — resulting in bodily injury and financial loss.

Scheduled Companion Care

Cost: $315,000

Time to resolve:

6-12 months

Example

A home healthcare agency providing live-in companion care faced a claim after a patient suffered a fall, resulting in a broken leg, fractured ribs, and extensive bruising. The patient disengaged a bed rail without triggering the alarm, and a monitoring camera failed to notify the caregiver of movement. The family alleged negligent supervision, overreliance on malfunctioning equipment, and failure to prevent a foreseeable injury.

Remediation

Cost: $395,000

Time to resolve:

1-2 years

Example

A diagnostic imaging center, as part of its routine professional services, generated low-level radioactive waste — including used syringes — and contracted a licensed third-party vendor for proper disposal. Unknown to the imaging center, the vendor illegally disposed of the waste in violation of environmental regulations. Regulatory authorities traced the waste back to the imaging center and held it strictly liable, despite its reliance on a third party. The center faced substantial fines, penalties, and cleanup costs related to the improper disposal.

Scheduled Companion Care

Cost: $315,000

Time to resolve:

6-12 months

Example

A home healthcare agency providing live-in companion care faced a claim after a patient suffered a fall, resulting in a broken leg, fractured ribs, and extensive bruising. The patient disengaged a bed rail without triggering the alarm, and a monitoring camera failed to notify the caregiver of movement. The family alleged negligent supervision, overreliance on malfunctioning equipment, and failure to prevent a foreseeable injury.

Remediation

Cost: $395,000

Time to resolve:

1-2 years

Example

A diagnostic imaging center, as part of its routine professional services, generated low-level radioactive waste — including used syringes — and contracted a licensed third-party vendor for proper disposal. Unknown to the imaging center, the vendor illegally disposed of the waste in violation of environmental regulations. Regulatory authorities traced the waste back to the imaging center and held it strictly liable, despite its reliance on a third party. The center faced substantial fines, penalties, and cleanup costs related to the improper disposal.

Each claim is unique and requires review of your policy terms and conditions to determine whether the claim is covered under your unique policy terms and conditions.

How we’re different

Others

Modular Forms

Quote multiple limits, retentions, and coverage options across all coverages

Others

AM Best rating of A (Excellent)

Underwritten by industry leaders with one of the strongest credit ratings from AM Best

Others

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AM Best rating of A XV (Excellent)*

Underwritten by industry leaders with one of the strongest credit ratings from AM Best

Others

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Agentic Underwriting™

Get support from underwriters with over 120 years of collective experience

Others

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Agentic Claims Management™

Our in-house experts resolve claims faster, reduce friction, and keep businesses moving forward

Others

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Agentic Risk Mitigation™

Access HR experts, employment attorneys, and proactive risk management tools to address professional service issues before they become liabilities

Others

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Multi-channel support

Get a quote in minutes, any where, and on any device via email, digital application, or API

Others

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Counterpart Director of Allied Healthcare, Chris Robowski

We’re behind you

Christopher Robowski leads the product vision and underwriting strategy for Counterpart’s Allied Healthcare offering. With more than 15 years of experience in healthcare liability, he brings a sharp understanding of the risks shaping today’s care environment—from emerging delivery models to rising litigation trends. Chris’s expertise helps ensure our coverage evolves with the industry—supporting brokers and protecting providers where it matters most.

Chris Robowski

Director, Allied Healthcare

Other products

Professional & General Liability

Protect the company from professional mistakes and unmet agreements with comprehensive liability coverage.

Private Directors & Officers

Protect the company's assets and key management.

Woman standing in doorway with arms folded

Employment Practices

Protect against employment-related lawsuits.

Small business owner with insurance confidently meeting with customers

Underwritten by the world’s leading insurance providers

Counterpart’s products are unwritten by Aspen Specialty Insurance Company (AM Best Rating of A XV*), Evanston Insurance Company, a Markel® Company (AM Best Rating of A XV*), and Westfield Specialty® (AM Best Rating of A XV*).