Home health, hospice, dialysis, dental, chiropractic, physical therapy, medical spas, urgent care, pharmacies, and 60+ allied specialties.
Allied health is the broadest and most fragmented part of the book — dozens of distinct professions, each with its own scope-of-practice rules, its own licensing body and its own carrier appetite. Premiums are modest by healthcare standards, which makes speed and accuracy matter more than negotiation: the work is knowing which carrier writes which scope, and getting there first.
The recurring failure in this segment is scope. A practitioner insured for one scope who quietly adds a higher-risk service — injectables, a new modality, a supervisory role — is often uncovered for the very thing most likely to generate the claim.
Nurses, therapists, technicians and allied practitioners on individual paper, with scope of practice declared precisely.
Clinic and agency-level liability, including vicarious exposure for employed and contracted practitioners.
Home health and hospice, where care happens in someone else's house and the general liability exposure travels with the caregiver.
Dispensing error, non-sterile and sterile compounding — the last of which is rated in an entirely different bracket.
Medical spas, injectables and laser treatment, including the supervising-physician relationship underwriters will ask about.
Professional liability. Individual practitioner cover sits at the low end; entity and agency placements at the upper end.
| Operation | Indicative annual premium |
|---|---|
| Individual therapist or OT in private practice | $350 – $600 |
| Physician assistant — part-time or telehealth | $500 – $1,500 |
| Retail pharmacy | $900 – $1,800 |
| Physician assistant — primary care | $1,500 – $4,000 |
| Chiropractor — solo, standard adjustments | $1,500 – $3,500 |
| Home health aide agency | $2,000 – $7,500 |
| Medical spa — RN or NP led | $2,500 – $5,500 |
| Sterile compounding pharmacy | $3,000 – $10,000 |
| Physician assistant — surgical first assist | $4,000 – $10,000 |
| Skilled or higher-risk home health services | $5,000 – $10,000 |
| Medical spa — higher-risk services | $5,000 – $20,000 |
| Multidisciplinary practice (entity level) | $5,000 – $12,000 |
Indicative market ranges for 2026, shown to help you scope a risk before you submit it — they are not quotes and not an offer of coverage. Actual premium depends on venue, claims history, limits, staffing and documented controls, and can fall outside these ranges in either direction. Every risk is individually underwritten.
Send it over and we’ll get it in front of the right underwriters — matched to appetite, and before a competing broker locks the market.