Human Services Insurance

Koty-Leavitt Insurance
Human Services Insurance Program

Koty-Leavitt (formerly Schneider Group) understands the unique needs of providers in the Allied Health Care Industry and has partnered with several insurance carriers that specialize in this market.

  • Adoption/Foster Placement Agencies
  • Adult Day Care
  • Dialysis Centers
  • Group Homes
  • Home Health Care Agencies
  • Hospices
  • Medical Testing Laboratories
  • Outpatient Facilities
  • Physical Rehab Centers
  • Substance Abuse Rehabilitation
  • Assisted & Independent Living
  • Blood/Organ/Tissue Banks
  • Imaging Centers
  • Ambulance Services
  • Battered Shelters
  • Temporary Medical Staffing
  • Homeless, Battered Shelters
  • Urgent Care/Surgery Centers
  • Skilled Nursing Facilities
  • Medical Spas

Highlighted Program Benefits

  • Monoline Professional Liability
  • Combined Professional Liability/General Liability/Property on same policy
  • Occurrence or Claims Made Coverage
  • Primary Limits up to $5 million – some carriers offer up to $10 million aggregate and can be shared or separate limits
  • HIPPA Coverage
  • Defense Costs in Addition to Policy Limits (optional inside limits available)
  • No Deductible or Deductible options starting as low as $1,000 up to $50,000
  • 60 Day Automatic Extended Reporting Period for Claims Made Policies
  • Non-auditable policy available
  • Incident sensitive trigger
  • Minimum Premiums of $2,500
  • Loss Control Assistance

Coverages Available

  • General Liability Coverage
  • Professional Liability Coverage
  • Directors & Officers Coverage
  • Property Coverage
  • Business Auto Coverage
  • Excess Liability Coverage
  • Workers Compensation Coverage

General Liability

  • Comprehensive General Liability – Occurrence or Claims Made Options
  • Damage to rented premises
  • Sexual and Physical Abuse Liability
  • Personal Injury Liability
  • Employee Benefits Liability
  • Medical Payments Coverage
  • Coverage for fund-raising events
  • General Liability Extension Endorsement
  • Hired & Non-owned Auto Liability

Professional Liability

  • Professional Liability – Occurrence Form or Claims Made Options
  • Option to include Physicians / Psychiatrists

Property Coverage

  • Building & Personal Property
  • Business Interruption With Extra Expense
  • Equipment Breakdown
  • Computer Coverage
  • Crime including third party crime coverage
  • Inland Marine
  • Property Extension Endorsement

Business Auto Coverage

  • Auto CSL - $1,000,000 available
  • Symbol 1 liability coverage available

Excess Liability Coverage

  • Limit up to $5,000,000
  • Included Professional and Abuse Liability
  • Directors & Officers and Employment Practices Liability

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Koty-Leavitt Insurance


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520-571-1900