Insurance for Healthcare Industry Including Long-Term Care, Home Healthcare, Hospice, Allied Healthcare, and Autism & Developmental Disability Providers
Protecting Healthcare Organizations while Controlling Costs
Insurance costs are rising. Staffing shortages continue. Regulatory requirements are becoming more complex. Insurance carriers are becoming more selective. For long-term care and senior living organizations, managing risk has never been more challenging.
Hilb Group helps your healthcare organization:
- control costs
- reduce risk
- improve employee retention, and
- stay compliant
…through integrated commercial insurance, employee benefits, risk management, claims management, payroll, and HR consulting services.
Trusted by Hundreds of Healthcare Organizations for More Than 45 Years
Why Hilb Group's Healthcare Insurance Approach Works
Whether you operate an assisted living facility, a nursing home, an outpatient rehabilitation facility, hospice, autism center, home health care agency, or homecare agency we understand the challenges you face because this is what we do every day.
Our team goes beyond quoting insurance policies. We provide comprehensive commercial insurance, employee benefits, risk management, claims management, payroll, HR consulting, and industry-specific guidance designed to help your organization operate more safely and efficiently.
Healthcare Organizations We Serve
Home Healthcare & Homecare
Home healthcare agencies including those providing skilled nursing, physical, occupational, and speech therapy, as well as home care providers offering personal and companion services, play a critical role in helping seniors remain safely in their homes.
However, delivering care in a decentralized environment creates unique exposures for these organizations. Key risks include auto liability from employees traveling between client locations, workers’ compensation exposures related to employee injuries, and professional liability arising from care provided in the home setting. There is also an increased risk of theft or allegations of theft involving client property. In addition, cyber liability is a growing concern, as healthcare providers manage sensitive patient information across multiple locations and must maintain strict compliance with HIPAA and data security requirements.
Hospice & Palliative Care
Hospice organizations, palliative care providers, and end-of-life care programs operating in homes, facilities, and community settings offering hospice services face sensitive regulatory compliance around end-of-life consent and licensure, with heightened risk of disputes given the severity of terminal illness cases.
Allied Healthcare
Outpatient rehab centers, physical therapy, occupational therapy, speech therapy, behavioral health organizations, and other specialty providers, primarily face exposure through professional liability, including misdiagnosis, treatment errors, and boundary violations, with additional exposures related to patient injury, improper supervision, and failure to provide appropriate care.
Autism & Developmental Disability Services
Autism centers, ABA therapy providers, group homes, residential programs, day programs, and community-based support organizations carry high exposure to abuse and molestation claims, requiring specialized coverage that standard liability policies typically exclude.
Comprehensive Healthcare Insurance Solutions
Commercial Insurance Highlights
General Liability
General liability insurance covers third-party bodily injury, property damage, premises liability claims, and visitor incidents. It is often required by landlords and for business licenses. For health care providers, general liability premiums are among the highest of any industry - approximately 70% more than the national average.
Commercial Property
Commercial property insurance protects medical facilities, furnishings, medical equipment, and other physical assets from risks like fire and theft with important differences between replacement cost and actual cash value provisions that affect claim payouts.
Commercial Auto & Hired/Non-Owned Auto
This coverage is particularly critical for organizations providing home health care and hospice services where employees use personal vehicles to travel to patient homes.
Workers’ Compensation
Workers’ Compensation is required for employers in almost all states and provides medical and wage benefits for employees injured on the job. In the healthcare industry, claims are typically driven by patient handling and lifting injuries, slips and falls within facilities and walking into clients homes, and auto-related accidents involving staff traveling between locations or patient homes. These exposures can lead to high-frequency, high-severity claims, making strong safety protocols and proactive risk management essential to controlling costs.
Cyber Liability
Cyber Liability insurance protects against ransomware, data breaches, phishing attacks, privacy violations, and business interruption resulting from cyber events that often affect sensitive patient data. In 2024, U.S. healthcare organizations reported nearly 275 million records breached - more than doubling the prior year. Ransomware attacks increased approximately 32%, with social engineering identified as a key driver.
Professional Liability (E&O)
In the healthcare industry, professional liability, driven by real breakdowns in care delivery, is a core exposure for long-term care and allied health professionals, such as physical therapists, occupational therapists, speech therapists, and behavioral health providers. Common claims stem from therapy-related injuries, medication errors, missed changes in a patient’s condition, inadequate supervision, and failure to document or follow care plans.
In long-term care, allegations often center on falls, delayed response, and neglect, while allied health providers face exposure through treatment decisions and coordination of care. Professional liability insurance protects against the financial and reputational impact of claims related to how care is provided. It also covers claims related to counseling errors, documentation mistakes, and failure to obtain informed consent, which can be significant exposures in outpatient and community-based healthcare settings. While allied health rates have remained relatively stable, long-term care continues to experience upward pressure due to rising claim severity, larger verdicts, and increased scrutiny around patient care and staffing.
By securing professional liability coverage, healthcare providers can protect their careers, reputations, and financial stability against lawsuits and regulatory actions tied to their professional conduct.
Directors & Officers Liability
Directors and Officers insurance protects board members, executives, and leadership teams against wrongful management lawsuits, especially as regulation tightens around data privacy, state licensing, financial oversight, and compliance with federal laws.
Employment Practices Liability
As employee retention challenges persist and staffing competition intensifies among healthcare businesses, EPLI claims have grown - making this coverage increasingly important. It protects against discrimination, harassment, wrongful termination, retaliation, and employment-related claims.
Medical Malpractice Liability
Medical Malpractice insurance protects physicians against claims arising directly from hands-on patient care. This includes allegations such as misdiagnosis, delayed diagnosis, improper treatment decisions, surgical or procedural errors, and failure to recognize changes in a patient’s condition during in-person evaluations. Given the direct interaction with patients, even a single missed clinical finding or breakdown in follow-up can lead to significant liability, making coverage essential to address both defense costs and potential settlements.
The AMA reports that 36 states saw Professional Liability insurance premiums rising in 2025, with 11 states experiencing increases over 10%. Diagnostic errors represent the greatest category of medical claims.
Abuse and Molestation Liability
Standard General Liability policies typically exclude abuse and molestation exposures, making specialized coverage essential for organizations serving vulnerable populations—such as seniors, children, and individuals with developmental disabilities. This coverage is designed to address the severity and sensitivity of these claims, with limits tailored to your organization’s size, services, and risk profile. In higher-risk environments, securing appropriate limits is critical to protecting against potentially significant losses. Many policies can be structured so that defense costs are covered in addition to the limits, helping preserve available coverage for settlements or judgments and ensuring your business is fully protected throughout the claims process.
Umbrella/Excess Liability
Given the trajectory of large verdicts - average awards in cases above $10 million doubled from approximately $23 million in 2015 to approximately $40 million in 2023 - Umbrella and Excess coverage is increasingly essential for healthcare organizations facing high-severity exposures, which provides additional liability protection above underlying policy limits.
Risk & Claims Management Services
Prevent Loss Before It Happens
“An ounce of prevention is worth a pound of cure.”
This timeless wisdom applies just as much to your business as it does to your health.
Insurance alone isn’t enough. Our risk management services help you reduce exposure at the source. It is also what separate us from traditional brokers. In the current insurance market, where carriers are more selective and underwriters demand documented safety programs as preconditions for coverage, robust risk management isn’t optional – it’s the foundation of favorable insurance premiums.
Risk Management
Our services include:
- Comprehensive risk assessments
- Loss control evaluations
- Workplace safety reviews
- Workers’ compensation cost-control programs
- Claims trend analysis
- Corrective action planning
- Employee safety training guidance
- Return-to-work strategies
- Risk prioritization roadmaps
- Ongoing consultation and implementation support
Claims Advocacy & Management
Effective claims management can have a significant impact on future insurance costs. Past claims history and severity heavily influence rates. If your business has multiple large indemnity cases, you will face significantly higher premiums at every renewal cycle.
Our team helps you:
- Manage claims more effectively
- Improve claim outcomes
- Reduce claim severity
- Monitor open claims
- Identify trends before they become larger problems
- Support long-term premium stabilization
Employee Benefits Solutions Highlights
In 2025, employer-sponsored health insurance cost averaged $17,496 per employee, up approximately 6% year-over-year. Family coverage for employer-sponsored medical insurance costs approximately $35,119 for a family of four. Prescription drugs spending rose approximately 9.4% among large employers, and pharmacy spending grew by approximately $50 billion in 2024 compared to $20 billion in 2023. The PwC Medical Cost Trend report for 2026 predicts approximately 8.5% growth in medical costs overall.
If you are one of the employers that typically pay about 85% of employee insurance premiums, then you know that benefits design is a significant financial decision for your organization. Combine that with the intense competition for talent in an environment where medical costs continue rising sharply, and you have a significant ongoing challenge for cost control.
Understanding the health insurance industry is critical for designing competitive employer sponsored plans especially for small businesses who struggle to offer health insurance cost-effectively. We help evaluate and design benefit strategies aligned with your workforce, budget, and long-term goals.
Solutions include:
- Fully Insured Health Plan (Medical, Dental & Vision Benefits)
- Level-Funded Health Plan
- Captive Health Insurance Programs
- Voluntary Benefits
- Ancillary Benefits
- Group Life Insurance
- Disability Insurance
- Population Health Management
- Benefits Compliance Support
- ACA Reporting Assistance
- Employee Communication Campaigns
- Benefits Enrollment Services
- Retirement Plan Consulting
- Payroll Integration Solutions
Whether your goal is controlling healthcare costs, improving employee retention, increasing participation, or enhancing employee satisfaction, we help build strategies that support your workforce.
Employee Benefits Solutions Highlights
Additional Business Support Resources
As your partner, we leverage our extensive industry professional network to facilitate introductions to trusted specialists your organization needs, including:
- Employment law attorneys
- HR consultants
- Payroll specialists
- Accountants
- Regulatory advisors
- Industry-specific service providers
Our Solution Offers Three Strategic Advantages
Most of our competition focuses on features. We focus on outcomes.
Exclusive Healthcare Focus vs. Generalist Approach
While generalist brokers spread their attention across dozens of industries, our team concentrates exclusively on healthcare. This means deeper knowledge of clinical operations, regulatory requirements, and the specific insurance policy structures that protect health care services organizations. We maintain relationships with specialized carriers that have appetite for complex healthcare risks - including hard-to-place exposures that other providers cannot access. In private insurance markets where carrier selectivity is increasing, this specialization translates directly into better coverage and more competitive pricing for you.
Proactive Risk Management vs. Reactive Insurance Shopping
Most brokers focus on shopping your policies each year. We focus on reducing risk before claims happen. Preventing a single significant claim can save more than any premium discount. Our comprehensive risk assessments, safety protocols, diagnostic error audits, and cybersecurity hygiene programs create a demonstrably more insurable organization - which carriers reward with better terms. In an environment where social inflation continues driving larger jury awards and average verdicts over $10 million have more than doubled in recent years, proactive risk reduction is the most important lever for controlling costs.
Comprehensive Business Support vs. Insurance-Only Service
Beyond insurance coverage and risk management, we integrate employee benefits consulting, HR guidance, payroll support, and connections to employment law attorneys and regulatory advisors. This holistic approach addresses the interconnected challenges healthcare organizations face - because staffing shortages, compliance gaps, and operational risks don't exist in isolation. When a family member of a patient files a complaint, or when the federal government updates reporting requirements, your organization needs an advisor who understands the full picture.
How Our Healthcare Insurance Process Works
What Our Clients Say
Strengthen Your Healthcare Organization's Protection Today
If you’re ready to stop struggling with rising insurance premiums and start building a stronger, more resilient healthcare organization, the next step is simple.
No long-term commitment required. Our initial consultation demonstrates immediate value – identifying your most critical exposures and outlining a practical path to better protection and lower costs.
Schedule Your Healthcare Risk & Coverage Review
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Frequently Asked Questions About Healthcare Insurance
Most organizations begin seeing improvements during their first renewal cycle. Our comprehensive risk assessment identifies immediate opportunities - from documentation gaps to safety protocols - that strengthen your underwriting profile right away. Some improvements, like claims management and experience modification factor reductions, develop over multiple renewal periods as your loss history improves. The combination of better carrier placement, proactive risk management, and strategic coverage design creates compounding benefits over time.
This is where our specialized carrier relationships make the biggest difference. We work with healthcare-focused insurance companies that understand complex medical services risks and have appetite for exposures that generalist markets avoid - including abuse and molestation liability, high-risk professional liability, and facilities with prior claims history. Many of our clients came to us as a last resort after being declined by other brokers, and we successfully placed comprehensive coverage where others could not.
Our integrated approach combines insurance savings with competitive benefits packages designed specifically for healthcare organizations. We help you design group coverage, voluntary benefits, wellness programs, and cost-containment strategies that make your organization more attractive to quality employees. With about 154 million individuals on employer-sponsored group health plans in the US and employers typically paying about 85% of employee insurance premiums, strategic benefits design is one of the most powerful tools for reducing turnover - which in turn reduces the operational errors and claims exposure that come with inexperienced or overworked staff.