Home Health Care/Social Services

Hospice, Home Health Care and Social Service industries are growing at a rapid pace. If your Insured has Independent Contractors, Employees, or Volunteers who are driving to patients’/clients’ homes, they need Hired & Non-Owned Auto coverage. Our program meets this important need.

The coverage can be written either excess of a SIR (erodible by the drivers collectible insurance) or excess of a primary policy in the Insured’s name.

Insureds can have a minimal livery exposure (one patient at a time, in the employee’s/Independent Contractor’s vehicle) for occasional trips to the doctor, pharmacy, etc.

Target Risks

Home Health Care Services (Visiting Nurses, Hospice Care) and Social Services

Prohibited Risks

  • Risks where there are multiple people being transported (day care centers, senior centers).
  • Drivers must use their own auto to transport the client and not use the client’s auto.

Limits Available

  • $100,000 to $5,000,000

Carrier

  • A.M. Best “A:IX” Rated

Availability

  • All states except: CT, IA, OK

Types of Policies Offered

    Standalone Coverage Excess of a Self-Insured Retention (SIR)
  • SIR is erodible by the Driver’s collectible auto insurance.
  • SIRs between $0 and $100,000.
    • Standalone Coverage Excess of a Primary Policy
  • Insured purchases a Primary Owned, Hired & Non-Owned auto policy with limits as low as the state financial responsibility limits (available through the state’s assigned risk plan). Our policy would be excess of those limits.

Requirements to Quote

  • Completed Home Health Care Application (CA AS 0118 0607).
  • Current MVRs on ALL drivers.
  • Five years currently valued Owned, Hired & Non-Owned auto loss runs. If no prior insurance, a no-known loss letter on the Insured’s letterhead stating no prior coverage, and no losses.
  • Copy of Independent Contractor contract if drivers are not employees.

Requirements to Bind

  • Signed and dated Home Health Care Application (CA AS 0118 0607).
  • Copy of underlying Declarations page or binder from the underlying carrier (Must show: Named insured, effective/expiration date, limits, and type of coverage).
  • Tax/Fee Acknowledgment (if risk is outside of California); D-1 if risk is in California.
  • Signed and dated Additional Self-Insured Retention Provisions (CA AS 0097) if policy is excess of a SIR.

Filing Requirements

  • Sunderland will handle the filings if the risk is located in California. If the risk is outside of California, it is the responsibility of the Producer to collect and file the surplus lines taxes and fees.
For additional information contact:

Holly Belknap at 925.942.4020 x102 or Holly@Sunderlandins.com
Laura Pedersen at 925.942.4020 x101 or Laura@Sunderlandins.com

Terms and coverages subject to change without notice.