Commercial Healthcare Coverages
Insurance built for the business of care. From compliance to claims, Pembroke provides coverage tailored specifically to the risks faced by today’s healthcare agencies.
General Liability
Protection for third-party injuries and data breaches.
Example: A visitor slips in your lobby and sues for medical expenses.
Professional Liability (E&O)
Covers malpractice and negligence in care delivery.
Example: A patient claims your nurse failed to provide proper care.
Workers’ Compensation
Insurance for employee injuries sustained on the job.
Example: A caregiver strains their back lifting a patient.
Employment Practices Liability (EPLI)
Protection against employee-related lawsuits.
Example: A former employee sues for discrimination after being let go.
Directors & Officers (D&O)
Covers board members and administrators from decisions made in leadership roles.
Example: A lawsuit alleges mismanagement of funds.
Cyber Liability Insurance
Protection against HIPAA breaches, ransomware, and data theft.
Example: Hackers steal patient information from your scheduling system.
Commercial Property Insurance
Covers buildings, medical equipment, and furnishings.
Example: An electrical fire damages your computers and break room.
Commercial Auto Insurance
Insurance for company-owned or leased vehicles.
Example: A staff driver causes an accident while transporting supplies.
Abuse & Molestation Coverage
Coverage against allegations of physical or emotional abuse.
Example: A client accuses a caregiver of inappropriate behavior.
Hired & Non-Owned Auto (HNOA)
Covers employees using personal vehicles for work.
Example: A caregiver crashes their own car during a home visit.
Umbrella Liability Insurance
Adds extra protection above your GL, Auto, and Employer’s Liability policies.
Example: A major lawsuit exceeds your existing policy limits.
Business Owner’s Policy (BOP)
A bundled policy with General Liability + Property Insurance.
Example: Ideal for small-to-mid-size healthcare businesses.