A nurse, a wealthy client and a hotel suite is three exposures at once.
Insurance for concierge and private duty nursing. Post-operative care in hotels and residences, where crime and allegation exposures sit beside the clinical one.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
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 organisation 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 — Jewellery, 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 — 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.
Without it — Nurses drive their own cars between clients, hotels and surgical centres.
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. That 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.
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A concierge nursing operation providing post-operative care in hotel rooms. The clinical cover 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 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 concierge nursing operators 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 jewellery, 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.