Novatae Risk Group – MGA and Program Underwriter Supporting Allied Healthcare and Long-Term-Care-Adjacent Risks
Supporting Senior-Care Ecosystems Through Allied Healthcare Liability Programs with Assisted Living Expertise
Novatae Risk Group is a modern specialty insurance distributor operating as an MGA, program underwriter, Lloyd’s coverholder, and wholesaler, offering exclusive underwriting solutions across dozens of industry classes. Within healthcare, Novatae provides specialty healthcare insurance programs for allied health professionals, medical practitioners, and affiliated companies, including a dedicated Allied Healthcare MGA program offering professional and general liability coverage. Novatae has also invested in long-term-care expansion, bringing in teams with assisted-living expertise to bolster its existing Allied Med program, which directly connects its capabilities to senior-care environments.
Who Is Novatae in Healthcare and Senior-Care Risk?
Novatae’s Allied Healthcare program makes it easier for retail brokers to place comprehensive allied-healthcare liability insurance for a wide range of allied health professionals and facilities, protecting against claims of negligence, errors, or omissions in patient care, as well as general-liability exposures tied to operations. Allied healthcare liability insurance is aimed at non-physician professionals such as nurses, therapists, technicians, and other clinicians who frequently provide services to older adults in homes, clinics, and senior-living communities.
The company has publicly highlighted its strategy of expanding into long-term care by adding assisted-living expertise to its Allied Med program, enabling it to address the needs of assisted-living facilities and related senior-living risks in addition to traditional allied-health classes. This positions Novatae as a key program partner for brokers seeking coverage for therapy practices, home-health agencies, and assisted-living-adjacent providers serving seniors.
Why Senior-Care Ecosystems Need Novatae Risk Group
Senior-care ecosystems rely on Novatae when:
- Allied-health professionals and facilities serving seniors need specialty professional and general liability coverage placed through an MGA with deep allied-health expertise.
- Assisted-living and long-term-care-adjacent providers want a program partner that is deliberately expanding into long-term care and assisted-living risk classes.
- Retail brokers seek streamlined access to comprehensive allied-health and assisted-living liability programs backed by multiple global insurers.
Standardized incident and claims data—covering treatment errors, documentation lapses, falls during therapy or care, privacy breaches, and general-liability incidents—help Novatae evaluate risk, differentiate better-managed accounts, and refine underwriting guidelines for allied-health and assisted-living-adjacent business. When providers and brokers share structured, de-identified data, Novatae can better align pricing, coverage terms, and risk-management recommendations with the realities of senior-care-oriented allied-health practices.
Case Study
An allied-health practice group offers physical, occupational, and speech therapy services inside assisted-living communities and in patients’ homes. Coverage is placed with Novatae’s Allied Healthcare MGA program, which provides professional and general liability tailored to allied-health operations. As the group grows, Novatae requests more detailed incident and claims data to understand risk patterns across facility-based and home-based services.
The practice deploys Caring Data to standardize incident reporting for treatment-related injuries, falls during sessions, documentation errors, miscommunication events, HIPAA/privacy lapses, and premises-liability incidents. Each event is coded with consistent incident types, severity levels, service setting (assisted living vs home), and practitioner details. De-identified aggregate data is shared with Novatae’s underwriting and program-management teams.
Using these structured datasets, Novatae distinguishes risk by setting and service type, identifies higher-risk patterns (such as increased falls in certain assisted-living locations), and works with the broker and client to adjust deductibles, limits, and risk-management expectations. Novatae recommends targeted fall-prevention protocols, documentation-training modules, and environment-specific safety checklists tailored to therapy areas inside senior-living communities. The practice gains granular insight into where risk is concentrated, while Novatae strengthens its Allied Healthcare and long-term-care-adjacent portfolio with better data.
Testimonials
“Our Novatae contacts told us the Caring Data reports gave them the clarity they needed to see how our allied-health risks differed between in-facility therapy and home-based visits.”
“With standardized incident and claims data, we’ve been able to work with Novatae to refine our Allied Healthcare coverage and focus risk-management on the assisted-living settings where seniors face the highest risks.”
Key Contact
Novatae Risk Group (MGA – Allied Program)
Role: specialty MGA, program underwriter, and wholesaler providing allied-healthcare professional and general liability programs, including long-term-care-adjacent and assisted-living-focused risks.
Website:
https://novatae.com/
Address (listing):
30 South Wacker Drive, Suite 900, Chicago, IL 60606
Phone (listing): 1-888-810-2770
Email (listing): info@novatae.com
Contact (listing): Steven Benedict
Final Thoughts
Senior-care ecosystems benefit when specialty distributors like Novatae Risk Group use allied-health expertise and deliberate long-term-care expansion to support providers working with older adults. Novatae’s Allied Healthcare program and assisted-living focus help brokers secure tailored liability coverage for therapy practices, home-health agencies, and senior-living-embedded clinicians. Caring Data enhances this model by providing structured incident and claims information that supports precise underwriting and targeted risk-management for allied-health providers in senior-care settings.