Gallagher McIntyre

Client Services

Case Studies

Healthcare – Enhanced Coverage & Successful Reclassification

Physical Rehabilitation Contractor with more than 600 employees that serves Assisted Living Facilities.

Business Situation/Challenge

This client provides physical therapy services to patients in common, private areas of assisted living facilities. In our Technical Risk Analysis we identified key areas of concern including:

  • Separate Professional Liability Policies that were added as the group expanded and created an administrative burden but did not address the exposures of all of the insured’s entities
  • The Absence of Non-Owned Auto Coverage to address their employees’ use of their personal autos for business purposes
  • Classification discrepancies that required a formal written appeal to the appropriate rating agencies to correct a misclassification that could potentially increase their workers compensation costs tenfold


Gallagher McIntyre resolved the issues by:

  • Creating consistent coverage by consolidating separate Professional Liability Policies under one master policy to keep related entities’ activities under one common coverage form
  • Communicating the existing process that the client had in place to ensure that their employees maintained the requisite personal insurance coverage and binding coverage quotations for Hired and Non-Owned Auto Liability. This provided protection for our client from vicarious liability arising from the use of employees’ autos
  • Drafting a detailed, formal appeal that effectively persuaded the rating agencies to affirm the appropriate classification of the insured’s business, thus saving the client hundreds of thousands of dollars in premium and maximizing their ability to compete with their peers


By addressing these exposures, Gallagher McIntyre accomplished the following:

  • Eliminated a significant uncovered exposure to loss
  • Educated the underwriters on a peculiar exposure to loss that was integral to the client’s operations and interests
  • Improved coverage for the client by placing business auto coverage and extending their umbrella to include amendments addressing this part of their operations
  • Successfully won classification appeals in two critical states to maintain their ability to compete in an aggressive market

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