Comprehensive Insurance Coverage for your Healthcare Agency

Healthcare & Medical Business Insurance

Coverage built for clinical and non-clinical care organizations in California, Nevada & Texas

Care moves fast. Regulations, reimbursements, staffing, and technology shift constantly—so your insurance program has to keep up. Peloton Insurance Brokers builds healthcare protection that fits how you operate today and scales with where you’re going next.

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250 +

Agencies Protected

$2M +

Coverage Options

Who We Serve

We design programs for:

Home Health & Hospice Providers
In-home care, palliative and hospice services, registries, and staffing models.
Medical Groups & Clinics
Primary care, specialty practices, ambulatory surgery centers, diagnostic/imaging, labs.
Behavioral & Allied Health
Counseling/therapy practices, rehab, PT/OT, RN/LVN/LPTA groups, community health.
Senior & Supportive Care
Assisted living, memory care, adult day health, transportation and non-emergency medical transport.

What Your Program Can Include

Professional Liability / Medical Malpractice (claims-made or occurrence)
General Liability and Products/Completed Ops
Workers’ Compensation (cost-control programs + experience mod strategy)
Abuse & Molestation Liability (critical for in-home and senior care)
Cyber & Privacy Liability (HIPAA-related exposures, ransomware, wire fraud)
Directors & Officers (D&O) and Employment Practices Liability (EPLI)
Commercial Auto and Hired & Non-Owned Auto (HNOA)
Property & Business Interruption (including equipment breakdown)
Crime & Fidelity / Third-Party Crime
Billing Errors & Omissions and Regulatory Risk enhancements (where available)
Excess/Umbrella to align with payer or facility contract requirements

Not every coverage fits every operation—we right-size limits, deductibles, and endorsements to your contracts, referral sources, and growth plans.

Why Peloton for Healthcare Organizations

Healthcare Specialists
Deep familiarity with payer contracts, credentialing requirements, and multi-state staffing models.
Market Access
Direct access to leading healthcare carriers and MGAs, plus options for captives and high-deductible programs when appropriate.
Total Cost of Risk Focus
We don’t just place policies—we help you reduce loss drivers, improve your experience mod, and satisfy credentialing and facility demands.
Fast, Clear Service
Same-day COIs, contract reviews, and renewal timelines you can rely on.

Risk Services That Move the Needle

Experience Mod Audit & Strategy (classification review, reserves, unit stat challenges)
Claims Advocacy (early reporting, nurse triage partners, return-to-work playbooks)
Contract & Credentialing Support (insurance requirements, indemnity wording, COI workflows)
Cyber Readiness (MFA, backups, vendor management, incident response table-tops)
Safety Programs for In-Home Care (driving, patient-handling, slip/fall prevention, lone-worker protocols)

Quick Quote Checklist

Have these handy and we’ll move fast:

5-year loss runs (currently valued)
Current policies (dec pages & endorsements)
Payroll by class code and # of FTEs/contractors
Services description + states of operation (CA/NV/TX)
Facility/contract insurance requirements (if any)

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FAQs

What’s the difference between Medical Malpractice and Professional Liability?
In healthcare, the terms are often used interchangeably. Policies can be written on claims-made or occurrence forms; we’ll help you choose and plan for any prior-acts or tail needs.

Click Here to download an explainer:

Do we need Abuse & Molestation coverage for home health?
Yes—anyone providing hands-on or in-home services should consider it. Many referral sources require it.

We use employee drivers and occasional personal vehicles. Is HNOA necessary?
If staff drive their own cars for work (client visits, errands, transport), Hired & Non-Owned Auto is highly recommended.

Click Here to download an explainer:

How can we lower Workers’ Comp costs?
We audit classifications and reserves, deploy nurse triage and RTW protocols, and manage trends that impact your experience mod.

Can you meet credentialing and COI turnaround requirements?
Yes—our team prioritizes same-day certificates and contract reviews so your operations aren’t delayed.

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HNOA.pdf