EPLI for multi-location healthcare practices
Dental groups, physician practices, physical therapy clinics and other outpatient practices with several locations often grow faster than their HR. Employment practices claims follow growth, and practices with solid HR habits can be hard to tell apart from those without. A program lets those habits show up in underwriting.
What underwriters look at
- Employee counts by state for each practice, including part-time staff
- HR practices: a written handbook, harassment training and documented reviews and terminations
- Access to HR support, whether in-house, outsourced or through a hotline
- Wage and hour exposure, such as hourly clinical staff, overtime and meal breaks
- Third-party exposure from patients and vendors
- Prior employment claims and agency charges, and how they were resolved
What the program can include
- Underwriting guidelines that credit the HR practices your best accounts already have
- Third-party coverage and wage and hour defense, where markets offer them
- HR resources and Waypoint Training on documentation, harassment prevention and terminations
- A path to add related lines such as general liability or property for the same practices
What to have ready
- Employee counts by state for each practice in the niche
- A sample employee handbook and the training your accounts provide
- Claims history, including agency charges, with a short note on the larger matters
- How practices handle HR today: in-house, outsourced or a hotline
- Any heavy concentration in California, New York or other states where markets look closely at employment claims
How it works
- Submit your niche on Waypoint Market. It takes 5 to 7 minutes and your best estimates are fine.
- Get your Program Snapshot on the spot: the gaps to close and an underwriter's read.
- Sign our mutual NDA in about a minute and book a 25-minute submission finalization meeting to plan the program together. Waypoint Specialty licensed brokers then take the program to market.
Own a healthcare practice niche?
Built for MGAs and agencies writing groups of dental, physician or outpatient practices. Submit it in 5 to 7 minutes and see how close it is to a program of its own.
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Waypoint Market is a program-development tool of Waypoint Specialty, specialty program brokers. Information on this page is general and educational. It is not a quote, offer or commitment, and all programs are subject to underwriting review and market acceptance. Trust and security · Privacy Policy · Terms of Use