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Manchester Specialty

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Program Details -

Visiting Nurse Associations


One of the key coverages for VNAs involves Professional Liability, a key component of our program to protect the growing ranks of home health, hospice and palliative care organizations throughout the country. With our VNA Professional Liability product, coverage can be written on an occurrence or claims-made basis. The entity itself can be liable for the actions of its employees, independent contractors and volunteers. Our policy form can offer the appropriate limits of liability to properly cover the services provided on a daily basis by a variety of care professionals, including nurses, physical therapists, employed physicians, home health aides, and most types of care providers.

Beyond Professional Liability

In addition to our core entity Professional Liability insurance product, we also offer a portfolio of additional coverages to protect VNAs, all written under one program through a selection of "A" rated or better quality insurers.

  • Workers' Compensation
  • General Liability/Package Policy
  • Non-Owned and Hired Auto
  • Directors' & Officers' (D&O) Liability
  • Employment Practices Liability Insurance (EPLI)
  • Insurance Coverage for Regulatory Audits (RAC, ZPIC, MIC, MAC, etc.)

Our program offers an all-lines solution with tailored coverage for VNAs from select top-tier insurance companies. You also get the benefit of our underwriting expertise and integrity, and the ability to "cross-underwrite" exposures - key for VNAs which provide a multitude of services. In addition, we offer easy payment options with no finance charges, which is important for the operation of a VNA and its budgetary concerns.

Visiting Nurse Associations (VNAs) At A Glance

VNAs are an essential component of healthcare delivery systems across the United States. They are comprised of traditional, independent, and free-standing agencies; home health and hospices affiliated with or owned by integrated health care systems; and small free-standing hospices. The types of services provided may include:

  • Skilled Nursing
  • Rehabilitation Therapies: physical, occupational & speech-language
  • Medical Social Services and Counseling
  • Case Management
  • Home Health Aide Services

Manchester Specialty provides a comprehensive insurance program that addresses the various exposures that arise from the services provided by VNAs.

Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming