Home Healthcare

Because there is no place like home, your clients prefer to receive health care assistance in their homes and they trust you to provide it.  Whether you are providing skilled medical care, rehabilitative or therapeutic services, home care services or a combination all, The Ayres Group can customize your insurance program to fit your unique needs allowing you the freedom to focus on what you do best, caring for your patients.

Commercial Property Coverage

  • Automated external defibrillators (AED)
  • Clients’ money and securities
  • Exhibitions or trade shows
  • Image restoration and counseling expenses as a result of sexual misconduct (when not guilty)
  • Mobile Equipment, Including cell phones and laptops
  • Transportation
  • Unscheduled appurtenant structures

General Liability

  • Automatic additional insured’s when required by contract
  • Bodily Injury definition includes mental anguish
  • Broadened notice of occurrence
  • Limited assault expense
  • Medical payments – $20,000 any one person
  • Property damage to borrowed equipment when not in use
  • Voluntary property damage
  • Waiver of subrogation if required in a written contract
  • Who is an insured includes medical directors and administrators

Professional Liability

  • Contingent vicarious liability for non-employee physicians, psychiatrists, dentists, dental assistants, optometrists, podiatrists and chiropractors
  • HIPAA patient information privacy incident coverage (per policy definitions)
  • Medical waste expense to $50,000 defense expense per coverage term
  • Pure consent to settle with no hammer clause (in most states)
  • Definition of who is an insured includes employees, volunteer workers, students in training, insured’s medical directors, administrators and independent contractors

Workers Compensation

  • For full time, part time or seasonal employees

Business Automobile Insurance

  • Liability
  • Physical Damage
  • Non owned automobile liability
  • Hired automobile liability

Umbrella Liability

  • Higher limits of liability that provide an added layer of limits over underlying liability limits