A nurse, a wealthy client and a hotel suite is three exposures at once.
We insure concierge and private duty nurses. Post-operative care in hotels and residences, where crime and allegation exposures sit beside the clinical one.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
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Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What concierge nursing businesses actually need.
Professional liability
Covers the advice, the drawing, the diagnosis. The work itself, rather than someone getting hurt on your premises.
Without it — Post-operative monitoring is clinical work with real consequences, performed away from any facility’s support.
Sexual abuse & molestation
Covers allegations of abuse by staff or volunteers. General liability usually excludes it outright, and any organization working with children, patients or vulnerable adults will be asked to carry it by name.
Without it — Care given alone and overnight to a sedated or medicated patient is an allegation exposure with no third witness, and general liability excludes it.
Crime & employee dishonesty
Theft by your own staff, funds transfer fraud, and the dishonesty bond a home care contract will ask you for by name.
Without it — Jewelry, watches, cash and valuables in a hotel suite make theft allegations against staff a live risk, and the amounts are not small.
General liability
Third-party bodily injury and property damage. It is the line nearly every contract names by default.
Without it — Damage to a hotel room or a residence, and injuries to anyone other than the patient.
Hired & non-owned auto
Covers vehicles the business does not own but its people drive on the job: rentals, and employees running errands in their own cars. Their personal auto policy will not cover a business trip, and the claim lands on the business. Pricing depends entirely on HOW it is bought: as an endorsement on a general liability policy we write, HNOA often costs a few hundred dollars; as a stand-alone (monoline) policy it runs $2,500 to $5,000, and association practitioner programs (CPH, CM&F and similar) generally cannot take the endorsement, so "add HNOA to my existing policy for $300-$800" is usually not a real option. A package carrying GL, professional liability and HNOA together is typically cheaper than the monoline.
Without it — Nurses drive their own cars between clients, hotels and surgical centers.
Workers compensation
Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.
Without it — Lifting and transferring post-operative patients single-handed is exactly how nursing staff get hurt.
Cyber & tech E&O
Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.
Without it — Clinical records on high-profile clients are both health data and a reputational exposure.
Kevin Kelsey
Founder | Principal Agent
Owned and ran a home health agency before insurance, which is where the allied health exposures were learned first-hand rather than from a rate manual: the vendor packets, the abuse and molestation requirement, staff driving their own cars to clients, and the he-said/she-said nature of a claim arising from one-to-one direct care where nobody else was in the room.
A concierge nursing operation providing post-operative care in hotel rooms. The clinical coverage was straightforward; the exposures that made it unusual were the client’s belongings in the room and the fact that care is delivered alone, overnight, to a sedated patient.
We underwrote it specifically rather than fitting it to a home health template. Crime coverage was sized to what is actually in a hotel suite, and abuse and molestation written for one-to-one overnight care. Neither is contemplated by an off-the-shelf nursing policy.
What the insurance company will ask about your concierge nursing business
We read 2 applications the markets use for this kind of business and pulled out what they actually ask. Have these answers ready and a quote takes a day instead of a week, because nobody has to come back to you for the missing piece.
About the business
- When did you start the business?
- What is your total annual revenue?
- How many full-time and part-time employees do you have?
- Do you operate any other locations besides your main office?
How you operate
- Do any of your staff or contractors drive their own vehicles for work?
- Do you provide client transportation services, and how often?
- Do you rent or lease medical supplies or equipment?
- Do you repair used equipment, and what types?
- Will you provide COVID-19 testing or vaccinations?
Safety and controls
- Do you have a formal training program for your staff?
- Do you check equipment condition before releasing it to clients?
- Do you follow the manufacturer's recommendations for equipment repair?
- Do you perform preventative maintenance on all equipment?
- Do you contact references before hiring employees or contractors?
Your history
- Has your license ever been suspended, revoked, or surrendered?
- Have you had any claims or lawsuits against your business in the last five years?
- Do you know of any circumstances that could lead to a claim or lawsuit?
- Has any insurance company declined, canceled, or refused to renew your insurance?
- Have you sold, acquired, or discontinued any operations in the past five years?
Money and people
- Are you for-profit, nonprofit, or another type of business?
- How many independent contractors do you use, and what do you pay them annually?
- Do you own and operate a pharmacy?
- Do you own or operate any bed and board facilities?
Have these ready
- Your last five years of claims history from your current insurer, called loss runs
- Your principal's resume if you have been in business less than three years
- A list of all other locations you own, rent, or operate
You answer what you can; a licensed agent fills the rest with you.
What our concierge nursing clients ask us.
Can this be written on a standard home health policy?
It can be forced onto one, and it usually fits badly. A home health template assumes a residence, a care plan and a family present. Concierge post-operative work assumes a hotel or recovery residence, a patient who may be sedated, one member of staff alone overnight, and belongings in the room worth more than the contract. The crime limit and the abuse coverage are the two things a template gets wrong, and they are the two that matter here.
Why is crime coverage such a concern?
Because the setting concentrates it. Clients recovering from elective surgery in a hotel suite frequently have jewelry, watches, cash and devices with them, staff work unsupervised in the room, and an accusation is easy to make and hard to disprove. The exposure is as much about allegations against your staff as about actual theft, and both need answering.
Do you write recovery retreats and post-op residences as well as individual nurses?
Yes, and the premises change the shape of it. A residence brings property, premises liability and habitability into a picture that was purely clinical. Operations partnered with a hotel rather than running their own building are different again, because the contract with the hotel usually specifies the insurance. Send the agreement with the submission.
How do you underwrite something this unusual?
By describing it accurately to markets that will look at it, rather than choosing the nearest class code and hoping. That means setting out where care is delivered, whether staff are ever alone with a patient, what is typically in the room, how staff are screened, and what the hotel or surgeon contract requires. Custom classes are placeable; undescribed ones are declined.
What does a concierge nursing insurance application ask for?
The applications for concierge nursing businesses ask about 4 things above all: when did you start the business; do any of your staff or contractors drive their own vehicles for work; do you have a formal training program for your staff; has your license ever been suspended, revoked, or surrendered. Have your last five years of claims history from your current insurer, called loss runs and your principal's resume if you have been in business less than three years ready and a quote takes a day instead of a week.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.