Every vertical on this page has its own structural vulnerabilities. We've mapped the most common coverage gaps—by operator type—with the real-world financial exposures attached to each one.
Texas healthcare operators don't all face the same risks—and a policy built for one type of business can leave another completely exposed.
A home health agency's biggest gap is usually a caregiver in a personal car on the clock. An assisted living facility's biggest gap is usually a policy that hasn't grown with its census. A NEMT operator's biggest gap is usually a fleet that was rated for the wrong class of business from day one. The coverage that matters is specific to what you actually do.
Personal vehicles on the clock, controlled medications in transit, decisions made out of anyone's sight—each one creates a gap a generic program was never designed to cover.
Care in homes
HHA
Your caregivers drive between patient homes all day in their own cars. When something goes wrong on the clock—a car accident, a medication error, an abuse allegation—your standard business policy was built for someone who stays in an office.
Care in homes
Hospice
Lawsuits tied to end-of-life care routinely surface 1–3 years after a patient passes. If you've switched carriers since that patient was on service, your old carrier says "not our policy" and your new carrier says "not our patient."
Care in homes
DME
Oxygen systems, ventilators, and power mobility equipment carry product liability exposures that a standard small-business policy caps far too low to survive a single serious claim.
Care in homes & facilities
Medical Staffing
When a nurse you placed makes a mistake, the family sues both the facility and your firm. Your hospital contract's indemnification clause may require you to cover the facility's defense—and your standard professional liability wasn't priced for that obligation.
The risks center on your building, your staff ratios, your census, and the vulnerability of the population you serve. The programs here share some gaps and diverge sharply on others.
Care in buildings
ALF
Most ALF programs were sized when the facility had 20 beds. At 60 beds with a memory care wing, that same policy is dangerously undersized—and most owners don't know it until a claim arrives.
Care in buildings
DAHS
Transporting cognitively impaired adults and supervising a participant program all day creates exposures that a generic small-business policy wasn't designed to handle.
Care in buildings
HCS / ICF-IID
Running eight HCS homes on a policy built for one location means any claim at an address that wasn't scheduled gets a complete denial—and most multi-location operators don't know addresses are missing until the claim arrives.
Care in buildings
Substance Abuse
Overdose wrongful death claims are the single highest-dollar exposure in healthcare. Most residential programs aren't carrying limits built for that verdict risk—and most policies don't separate legal fees from the settlement fund.
Care in buildings
Mental Health
Suicide claims, involuntary holds, and telehealth across state lines each carry their own coverage failure point. Most behavioral health professional liability policies weren't built for all three.
Care in buildings
Child Day Care
Texas requires only $300,000 in liability coverage. Harris County juries regularly return $2M+ on serious child injury claims. The gap between the state minimum and a real verdict is yours to fund.
Trips to dialysis, doctor appointments, and discharge transports create a fleet exposure unlike any other healthcare vertical. The premium is the highest of any program we write—because the risk is.
Transporting patients
NEMT
Highest frequency fleet risk
Your commercial auto policy may have been rated for delivery or livery—not paid passenger transport for hire. When an adjuster figures that out mid-claim, they can deny the entire thing on the grounds the policy was misclassified from day one.
Pick your vertical above, or schedule a call now. 30-minute call. No quote forms. Walk us through your operation. We’ll tell you exactly where your current policy breaks—and what a claim would actually cost.