Source: AmTrust — Workers' Compensation Healthcare
AmTrust Financial Services: Healthcare Offices Insurance Appetite
AmTrust has built a strong niche in workers' comp for allied health providers — physical therapy clinics, dental offices, chiropractic practices, and outpatient care facilities. The WC pricing for healthcare class codes is competitive, and their return-to-work programs address the specific injury patterns (back injuries, needle sticks, repetitive strain) common in healthcare settings. Pair the WC with their BOP and professional liability for a complete package. For physician practices needing standalone medical malpractice, CNA HealthPro is the stronger market.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Professional Liability |
| Employment Practices Liability |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
All 50 states
Key Features
- Strong WC program for allied health providers including physical therapy, chiropractic, and dental offices
- Professional liability for healthcare offices with claims-made forms available
- BOP coverage tailored for medical office premises and equipment
- EPLI for healthcare practices with employment practices exposure from clinical staff
- Return-to-work programs designed for healthcare worker injury patterns
Limitations
- Hospitals, surgery centers, and large medical groups are outside the small business scope
- OB/GYN and high-risk surgical specialties need specialty medical malpractice markets
- No standalone medical malpractice — the professional liability is bundled with GL or BOP
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