ABOUT US
General Description
 Healthcare and Human Services Association (the "Association") is a non-profit industry association of healthcare services providers that provides individual members with access to liability insurance through the association. Liability insurance can be difficult for industry professionals, especially small operators, to obtain. The Association provides a solution for insurance needs.
FAQs
What is an RPG?
RPG refers to a "Risk Purchasing Group" authorized and formed under the Federal Liability Risk Retention Act of 1986. During the insurance crisis of the 1980s, Congress passed legislation allowing certain industries to form groups for the purpose of obtaining insurance because many smaller industry participants could not obtain or afford coverage on their own.
When was the Association established?
The Association was formed under the Risk Retention Act and began operations in 1998. The Association, formed in Utah, is registered in most states to provide insurance coverage to members and has been a continual provider of insurance to the healthcare services industry since formation.
What are the advantages of coverage through the Association?
The Association has been available to the industry for many years and will continue to be available. Unlike many markets, the Association has not come and gone over the years. The Association has been constant. As a result of continual service to the industry, the Association has vast experience handling industry specific claims and sticks by its Members. The Association remains committed to providing a defense for Members rather than simply entering into "nuisance" settlements which can have a devastating long-term effect on Member's businesses. If a defense is warranted, the Association will provide it.
Who provides the insurance coverage?
The Association obtains its insurance coverage from the Prime Insurance Syndicate, Inc., an insurer with 20 years of experience.
What is group insurance?
With group insurance, a master policy is issued to the insured organization, in this case the Association, and each member is issued insurance through a certificate that adds the member to the master policy.
Does my operation have its own coverage?
The Association's coverage specifically provides each individual member with his, her, or its own limits of insurance so coverage is not limited by other members' claims.
Does the Association provide "real insurance"?
On occasion, insurance brokers may say RPG coverage is not "real insurance," but they are mistaken. In fact the Association obtains its insurance coverage from the Prime Insurance Syndicate, Inc., an insurer with 20 years of experience. RPG's should be looked at carefully to make sure they have expertise and experience in the industry and obtain coverage from a reputable insurance company.
Can my insurance broker get a commission?
Unfortunately for insurance brokers, the Association does not pay a commission to producers. The Association goes direct to the insurer for coverage so no commissions are paid. In some circumstances, this is why a broker may tell a client that RPG's are not "real insurance."
How much coverage do I need?
Historically, the insurance industry has encouraged as much coverage as possible; however, lower limits are frequently more than adequate to provide owner operators with all the coverage needed. Additionally, having higher limits often provides clients and their attorneys with more incentive to sue because more money is available under the policy. The Association typically quotes $100,000 per accident and $300,000 aggregate for a basic quote for most risks-although optional higher limit quotes are provided and offered. The Association can provide up to several million dollars in coverage.
Does coverage offered through the Association meet state requirements?
The Association is registered in most states to provide insurance and the coverage offered generally meets all state requirements. If you have specific questions, please contact the state office that regulates your activities. Additionally, Association coverage is also accepted by state and Federal regulatory agencies.
Is premium financing available?
Yes, premium financing is available for Members. All quotes provided to Association members include financing options from Greenlight Premium Finance.
How do I become a member of the Association?
It's easy, click on this link to the Membership page and sign up.
How much does an annual membership cost?
The Association's membership fee of $80 annually can be paid by check, EFT, or credit card.
What does my membership fee pay for?
The Association, as a non-profit association, does incur costs associated with accounting, marketing, and administration. Membership fees pay the cost of doing business and attracting new members to ensure a continued industry group.
How do I contact the Association?
You can contact us by phone, fax, or email.
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