Employee Benefits Expertise

Pinnacle Brokers has been specializing in making “house calls” on the Health Care Industry for 15 years with a team of insurance, underwriting, analytics and health care strategy experts.  We deliver innovative and optimized solutions for our Health Care clients. We work with customers to find and manage stop-loss, general and professional liability, property and casualty, health benefits and workers' compensation coverage.


Home Health Care operations play an ever-increasing role in the delivery of healthcare services to our aging population.  In addition to all of the exposures faced by traditional clinical delivery systems, home healthcare business operations must deal with a wide array of ambulatory, medical, and neighborhood issues.

These issues can make obtaining comprehensive and competitive insurance products a challenge.  We constantly work with our insurers and our clients to bring new products and services to this critical industry.


Residential Care Facilities serve persons 60 and older.  They provide room, board, housekeeping, supervision, and personal care assistance with basic activities like personal hygiene, dressing, eating, and walking. Facilities usually centrally store and distribute medications for residents to self-administer.

This level of care and supervision is for people who are unable to live by themselves but who do not need 24-hour nursing care. They are considered non-medical facilities and are not required to have nurses, certified nursing assistants or doctors on staff. Other terms used to refer to this level of care are assisted living facilities, board and care homes, rest homes and that component of Continuing Care Retirement Communities (CCRCs) that provide personal care and supervision.

Changes in both federal and state budgets are making the operation of residential care facilities increasingly difficult.  The cost of doing business keeps rising while reimbursements from Medicare and other funding sources decline year after year.  As a result, creating the most comprehensive and competitive risk financing program for these operations absolutely critical to our client’s ongoing business operations.


More commonly known as Errors and Omissions (E&O), this coverage helps protect professional advice/service-providing organizations and individuals for the costs of litigation and financial damage for claims arising out of their alleged failure to perform, error, or omission, or other wrongful act. This type of claim is not covered under a standard General Liability policy and needs to be insured separately.

This is a key coverage for health care providers. As the health care landscape changes, malpractice coverage from strongly rated insurers will continue to be a necessity. The cost and availability of coverage vary greatly by state and specialty. Pinnacle Brokers has experts dedicated to this important protection. We specialize in designing programs for
multi-physician groups and have implemented a number of discounted group buying programs for our clients.

This policy covers the personal assets of the directors and officers of the organization, as well as the liabilities of the organization itself, for alleged wrongful acts committed in day-to-day Business operations. For private organizations, this coverage is often expanded to include coverage for Employment Practices Liability – alleged wrongful termination, sexual harassment
and other alleged violations of employment practices statutes.

Compliance liability may pose a greater financial risk to the organization than Malpractice. These policies cover the costs associated with allegations of billing fraud, overpayment, and violation of the Medicare Sunshine Act, Stark Regulations (kickback laws or anti-trust violations), HIPAA and HiTech Act, etc. With the increased frequency of Medicare audits and other regulatory requirements of the Affordable Care Act, litigation involving these issues is expected to grow. The damages that can arise from a failed audit are considerable and can affect the organization’s ability to function.


Medical malpractice is a must for every health care professional. Even the most competent professional can make mistakes. Therefore, it is wise to protect oneself against that possibility. Medical malpractice is one type of professional liability insurance that protects physicians and other licensed health care professionals from liability associated with medical negligence resulting in bodily injury, property damage, medical expenses, as well as the cost of defending lawsuits related to such claims.


Bad things sometimes happen. So, it's important to have a plan and a trusted partner to help you through the challenges. At Pinnacle Brokers, we do our best to assist our clients and help them understand the financial exposures that could affect their way of life, assets, and properties. We are a team of professionals that promises to create a program that would help you enjoy the rewards of having a plan.

Have the Peace of Mind You Deserve
You have the right to know everything related to your insurance policy. Know what to expect when a loss occurs.

Have a Closer Look at What You Are Buying
Insurance policies are as unique as each individual buyer.  Multiple options are great, but it is more important to understand the difference between the policies being offered.  This is the only way to ensure that your premium actually buys the coverage you expect.

We Will Be Your Proactive Partner
We are very much aware that you’re a busy individual and you don’t have time to closely monitor the release of new products, legal and regulatory requirements. We’ll do that for you and communicate the things you need to know.  You also get an annual “check-up” to make sure the strategies that have been put in place are consistent with your ongoing needs.

Services We Offer:

  • Personal Hom & Auto Coverage
  • Umbrella & Excess Liability Limit Evaluation
  • Yachts & Watercrafts Coverage