Business

Healthcare

Public demand for low cost, quality healthcare facilities can lead to inadequate insurance protection

Public demand for low cost, quality healthcare facilities can lead to inadequate insurance protection

Are you one of the many healthcare facilities trying to balance operational costs with lower government reimbursements, a shrinking workforce and a growing aging population?

Atlas offers advantages to a large healthcare client base, especially in the long-term care industry

We have decades of experience evaluating and developing comprehensive risk solutions that meet the specific needs of Hawaii’s healthcare industry, including physician groups, clinics, hospitals, long-term care facilities, assisted-living facilities and managed care organizations.

We understand that while you want and need adequate coverage, a lack of funding may force you to cut back expenses, including insurance. But without adequate insurance, you may not be able to sustain a large financial hit caused by an uncovered claim.

Atlas will evaluate your insurance program and offer alternatives to broaden your coverage and reduce premiums by controlling losses.  In addition to strong loss control expertise, we also have industry-savvy agents who will advocate claims on your behalf.

What our clients are saying:

Faye Miyamoto

Faye Miyamoto

Rehabilitation Hospital of the Pacific, Vice President Human Resources

REHAB has worked with Atlas for many years. They have been instrumental in our efforts to reduce transfer injuries, developing accident prevention training specific to our company and providing suggestions in addressing high-risk areas. When we switched professional liability carriers, Atlas also took extra care by sitting in on meetings to observe how the carrier practiced. since they were new to Hawaii. These are just a few examples of why we value our partnership with Atlas. The risk services team is proactive, positive and very customer-service oriented.

Typical insurance coverages for Healthcare include but are not limited to:

  • Business Interruption

    Evaluating the business income loss exposure requires an understanding of how business income losses are measured, how a business interruption affects expenses and the property and perils that business income losses can involve.

  • Commercial Auto

    Almost every organization has auto exposures, even those that do not own any automobiles. The most commonly used form for insuring commercial autos, the Business Auto Coverage Form, covers auto liability, physical damage and no-fault exposures.

  • Commercial General Liability (CGL)

    Commercial General Liability (CGL) insurance covers many of the common liability loss exposures faced by an organization, including its premises, operations, and products.

  • Commercial Property

    Whether it is the computers, office furniture, fixtures, equipment, records and office supplies of your small business; the complex machinery of an automated manufacturer; or the office and apartment buildings owned by a large real estate developer, all commercial enterprises use at least some tangible property that is exposed to loss.

  • Commercial Umbrella

    Commercial Umbrella coverage provides liability coverage that supplements the limits of an insured's General Liability, Automobile Liability and Employers Liability policies.

  • Directors & Officers Liability

    Directors & Officers Liability coverage insures corporate directors and officers against claims, usually brought by stockholders, alleging loss due to mismanagement.

  • Employment-Related Practices Liability

    Employment-Related Practices coverage is available for the legal costs to defend claims against sexual harassment, wrongful termination and discrimination, and the actual legal liability for such acts.

  • Flood

    Flooding is a relatively common and costly natural disaster here in Hawaii, particularly in areas near streams, rivers and beaches. Flood water can destroy walls, floors, equipment, supplies, files and much more.

  • Professional Liability

    In today’s insurance marketplace, Professional Liability can be more broadly defined as insurance that covers persons engaged in various occupations against liability resulting from their rendering or failing to render professional services.

  • Temporary Disability Income (TDI)

    The Hawaii Temporary Disability Income (TDI) law was enacted in 1969 and requires employers to provide partial wage replacement insurance coverage to their eligible employees for non-work-related sickness or injury (including pregnancy).

  • Workers Compensation & Employers Liability

    Workers Compensation statutes obligate Hawaii employers, regardless of fault, to pay specific medical, disability, rehabilitation, and death benefits for their employees’ job-related injuries and diseases.

  • Cyber Insurance

    A type of insurance designed to cover consumers of technology services or products. More specifically, the policies are intended to cover a variety of both liability and property losses that may result when a business engages in various electronic activities, such as selling on the Internet or collecting data within its internal electronic network.

  • Errors & Omissions Insurance (E&O)

    An insurance form that protects the insured against liability for committing an error or omission in performance of professional duties. Generally, such policies are designed to cover financial losses rather than liability for bodily injury (BI) and property damage (PD).

Products & Services

We go the extra mile to monitor the marketplace to ensure your insurance programs are up-to-date and aligned with your goals.

Ready to take your business further?

Talk to an Expert