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Practice and Professional Liability, Errors & Omissions ( E&O ) Insurance Providers, Brokers, or Carriers
This is Step 5 in the process for obtaining the insurance you need for your practice. If you haven’t taken the time to review all the steps, you may miss something important and it may cost you money! Start here if you have not read through all the steps.
Find below the insurance providers and carriers APHA knows about. We update this list whenever new information becomes available.
Should you know of another provider we have not listed here, please let us know so we can possibly add them to our list. info@aphadvocates.org
Updated: December 2023
Please note: APHA does not derive any fees, commissions, or income from the companies on this list. This information is offered as a service to members only.
| Possible insurance carriers may be: | |
|---|---|
| All Advocates no matter what services you will offer, and no matter what credentials you hold: | Skyward Specialty Insurance Don Mucci will work with you to determine the price and amount of insurance you will need through Skyward. The annual cost will begin at $1500 and will go higher depending on the services you offer, your licensed credentials, and your geographical location. Find a copy of the policy, the consulting endorsement, and the medical exclusions here. When you are ready to apply, here is the application. Submit it directly to Don Mucci at: don_mucci@ajg.com |
| Candace L. Fiscus, Fiscus Commercial Insurance Services, Inc., candace@fcisonline.com. Candace Fiscus provides a one-stop solution for the business owner’s insurance through a boutique retail approach. Her wide range of services include general liability, workman's compensation, employment practices, auto liability, professional liability, & cyber insurance. As a 20+ year insurance veteran, Candace maintains a relationship with various carriers within the industry in order to offer the most competitive pricing. She personally advises each prospective client to better structure an insurance package specific to their individual business needs. You can read more about how to get in touch with Candace on APHA’s Insurance page. Contact information: Direct: 805-990-3086 candace@fcisonline.com www.fcisonline.com | |
| If you will offer CARE services (such as navigation, eldercare, cancer-related, end-of-life advisor), and you DO NOT hold a medical or advocacy-related license: | Hiscox Hiscox offers an online application, but do be careful to choose the right kind of insurance. Also, they do not offer insurance in every state, so do a search to see if they offer professional liability in your state. If they do not, then contact an independent agent in your state that offers other types of Hiscox insurance to see if you can obtain insurance through them. Their prices vary by what you call yourself and where you are located. Here is the link you need for your application:Hiscox Professional Liability |
| Associated Insurance and Risk Management Advisors (broker) Julie Silverman can work with you to determine which insurer will provide the best coverage for the work you do, including Errors and Omissions, BOP, General Liability, Benefits, etc. Prices range from $750 to $2,000 annually depending on your company needs. Contact Julie at 847-427-3479 or reach Julie by email. Download a copy of their New Business Worksheet | |
| HPSO Health Professionals Service Organization
HPSO is for non-nurse healthcare professionals who wish to purchase malpractice insurance. In 2016, they notified us they would no longer insure advocates, but in late 2019, some APHA members were able to procure their insurance from HPSO. Check them out online: or phone 888-288-3534 | |
| NASW for licensed social workers If you are a member of NASW, and have professional liability through NASW, ask them if they will cover you for advocacy services, too. www.naswassurance.org or 888.278.0038 | |
| Proliabiity by MercerMercer's information is all provided online. You can apply for professional liability coverage to see if you'll be accepted. Pricing seems to be in the same ballpark as other insurances. Apply here. | |
| If you will offer CARE services (such as navigation, eldercare, cancer-related, end-of-life advisor), and you DO hold a medical or advocacy-related license: | Lloyds of London Professional Liability (US) through Axis Insurance Services (broker) Roberta McClintock CPIA, CISR is experienced in professional liability insurance for those with added exposures, including professional licenses (example: MDs) and adverse claim history. • Premiums start at $1,000/year and up • $1,000,000 limit of liability is available with NO deductible ($00.00) • maintains a broad form cyber liability policy with a high limit of liability with first and third party coverage • Roberta will be happy to discuss the options available and answer questions regarding coverage. • Completed applications will be submitted to the Lloyds programs that best fit the Advocate’s practice Reach Roberta at: RMcClintock@axisins.com Here is a copy of the application form you'll need. |
| Lloyds of London (Canada) Annual premium $1,789.81 plus extra cost for extra endorsements like HIPAA, punitive damages and sexual misconduct endorsements. You will need to find your own broker to purchase this insurance. | |
| NSO Nurses Services Organization NSO is for licensed nurses (only). Regular NSO insurance does not cover advocacy, but it can usually be added. Nurses with NSO coverage are encouraged to ask about an endorsement or rider for advocacy work. https://www.nso.com/ | |
| NASW for licensed social workers Covers mental health degreed professionals and may have rider to add to existing liability insurance. https://www.AmericanProfessional.com or 800-421-6694 | |
| If you will offer OTHER ADVOCACY SERVICES, such as medical billing (claims, insurance, negotiation), or legal services such as mediation, guardianship, or end-of-life legal documentation: | You can try the options listed above, or you can look for E&O or liability insurance in your area of expertise. |
Past Carriers and Brokers
Sometimes companies fall off our carrier list and will no longer provide liability insurance to private advocates. That does not mean they won’t someday change their minds, but you might be able to save yourself some time knowing this status.
(If you hear that one of these companies is offering insurance again, please let us know: info@aphadvocates.org )
- Chubb: reported as no longer selling liability or E&O to advocates (2018)
- CPH & Associates: no longer selling advocate insurance, reported June 2018
- Insureon: no longer selling advocate insurance, reported September 2017
- One Beacon: as of Fall 2019 is no longer selling any sort of healthcare related insurance
- Darwin, Allied: no information to keep them on this list
- Markel: no longer selling new advocate insurance, reported October 2021