Posted on: January 14, 2026 by Huntersure
The start of a new year is a natural time for reflection, and insurance reviews should be part of that process. For insurance agents, this season creates a valuable opportunity to help allied health care professionals reassess liability coverage before small gaps turn into costly issues. As allied health roles continue to expand across new settings and services, so does liability exposure.
One of the most common questions agents hear is, “Does my current policy still reflect the services I provide?” With changes in job duties, care delivery, and referral relationships, that uncertainty is understandable. Starting the year with a proactive review helps uncover misalignments before a claim does.
Not every professional liability policy looks the same. But there are a few core items every allied health care professional should review. These items include covered services, policy limits, and how defense costs are handled.
Covered services define exactly which professional duties the policy protects. It matters because allied health covers a wide range of roles. Therapists, counselors, home health aides, and case managers all have different responsibilities. A policy that fits one won’t necessarily work for another without adjustments.
Defense costs also deserve close attention. Some policies include legal fees within the policy limit. Others pay defense costs in addition to the limit. This difference can affect how much coverage remains if a case drags on. Knowing the structure helps professionals assess risk more realistically.
New care models are changing how allied health professionals deliver services. Telehealth services, mobile units, community outreach, and social support are now common. However, many policies don’t automatically include these services. Some require special endorsements to ensure proper coverage.
For instance, a behavioral health specialist who starts offering virtual sessions across state lines might assume they’re covered. But unless their policy reflects this change, they could be left exposed. Licensing rules and state laws may also affect whether the coverage applies.
Moreover, role creep is a growing issue. Professionals may start handling tasks that resemble nursing, counseling, or administrative work. If those tasks fall outside the policy’s listed scope, claims could be denied even if the duties feel routine.
The most serious coverage issues often hide in the details. Agents should review retroactive dates, exclusions, consent-to-settle provisions, and additional insured requirements each year.
Retroactive dates are especially important with claims-made policies. Even a short lapse in coverage can reset the date and eliminate protection for earlier services.
Contractual liability is another area to watch. Referral partnerships and service agreements can introduce obligations that aren’t covered by standard liability policies. If a responsibility only exists because of a contract, it might be excluded.
Additionally, coverage must match where services are provided. If a provider works across different states or settings, the policy must reflect that. Otherwise, they could be operating without protection.
Annual coverage reviews position agents as trusted advisors who understand how allied health operations actually function. By reviewing changes in services, updates to job scope, and potential gaps, agents help clients make more informed decisions. These conversations also open the door to more customized solutions as clients grow.
For more complex or high-risk operations, Huntersure’s specialized program includes professional and general liability coverage, with enhancements such as HIPAA and sexual abuse protections. These features are ideal for both community-based and facility-based care models.
Allied health care professionals need more than basic liability protection. They need a strategy that evolves with their work. When agents guide these annual reviews, they uncover gaps, reduce future issues, and become essential advisors in the process.
Ready to help your clients take a closer look? Contact Huntersure for tailored liability solutions built for today’s allied health landscape.
Huntersure LLC is a full-service Managing General Agency that has provided insurance program administration for professional liability products to our partners across the United States since 2007. We specialize in providing insurance solutions for businesses of all sizes. Our program features can cover small firms (grossing $2.5 million annually) to large corporations (grossing $25 million annually or more). We make doing business with us easy with our breadth and depth of knowledge of E&O insurance, our proprietary underwriting system that allows for responsive quoting, binding, and policy issuance and tailored products to meet the needs of your insureds. Give us a call at (855) 585-6255 to learn more.
Posted in: Allied Healthcare
