Updates

Cyber threats are constantly evolving, leading many industries to have to spend more time and resources than ever on their cybersecurity efforts. Ransomware, for example, has dominated the cybersecurity conversation and forced many healthcare providers to seek out ways to safeguard their organiza...

Read More
Learn more

The healthcare industry is rapidly changing due to advancements in technology, aging demographic groups and changes in the way consumers engage with healthcare providers. The rapid advancement of technology has changed the way all companies conduct business, but the effects on healthcare are part...

Read More
Learn more

Despite the increasing number of headline-making data breaches and cyber attacks, many organizations still haven’t made cybersecurity a priority – or even put some of the more basic cybersecurity measures in place. According to an IBM security study done in 2018, 77% of respondents didn’t have fo...

Read More
Learn more

Most healthcare organizations will say that they are confident in their choice of cybersecurity strategy, despite the continuously growing number of healthcare organization being affected by cyber attacks. One of the biggest cybersecurity threats to the industry right now is the threat of a ranso...

Read More
Learn more

Long-term care facilities offer patients around-the-clock physical and cognitive care, which means they have to employ enough workers to cover all hours of the day. Nurses and other long-term care facility staff often have to work long hours or late nights to care for patients in a job that is al...

Read More
Learn more

Cyber attacks and data breaches can be financially devastating to businesses. When data breaches go public, the businesses involved often lose clients or customers and have to spend a lot of time and money recovering from the attack, repairing the damages done to themselves and their clients and ...

Read More
Learn more

The healthcare industry is the most commonly targeted industry for data breaches, with one report from 2017 reporting the healthcare breaches accounted for over 40% of that year’s reported breaches. An earlier report found that there was an average of at least one health data breach per day in 20...

Read More
Learn more

The most recent published edition of the Aon General and Professional Liability Benchmark for Long Term Care Providers has been released. The report analyzed liability costs for long term healthcare providers in thirteen different states in order to better estimate “ultimate loss rates,” which is...

Read More
Learn more

As technology continues to develop and change, liabilities for professionals and business evolve as well. Cyber insurance has become a must-have protection for businesses, but it’s not necessarily a one-size-fits-all type of coverage. Media and publishing companies, for example, are exposed to ad...

Read More
Learn more

Services

Insurance Services

  • Insurance Coverage Solutions for Healthcare Facilities

    National insurance wholesaler Highland Risk Services specializes in providing agents and brokers with insurance solutions and risk management programs for healthcare facilities and operations. We work with a network of top-tier insurance carriers to provide coverages that address the needs of all types of health care facilities – from skilled nursing homes to assisted living facilities, CCRCs, home healthcare providers, staffing agencies, adult day care, allied health, medical imaging, and much more. Working with you, we will help tailor solutions to meet each client’s specific risk profile.
  • Broad, Nimble Coverages Available for Your Healthcare Clients

    As a national wholesaler, Highland Risk Services provides agents and brokers with long-term sustainable coverage solutions for health care providers and operations throughout the country. Our risk appetite incudes a wide range of for-profit and non-profit businesses that comprise this sector including hospice, skilled nursing homes, assisted living facilities, home health care agencies, independent living facilities, CCRCs, allied health care, clinics, medical imaging centers, and others. Our insurance products are designed to address the liability and property exposures the healthcare industry faces – from trips and falls to allegations of patient mistreatment and misconduct, data breaches, claims of employee discrimination or harassment, business interruption and much more. We also provide property coverage for facilities in high-risk areas, including on the coast.
  • Insuring Skilled Nursing Facilities

    A skilled nursing facility (SNF), traditionally referred to as a nursing home, provides a home for the elderly when they need around-the-clock care by skilled nurses due to a temporary or permanent health issue for which they are not able to get the kind of care they need at home.The traditional nursing home has changed as the lifespan of American seniors has increased. Instead of simply offering physical care to impaired or frail individuals, homes have become more focused on addressing not only the physical needs of residents, but also their emotional and psychological needs. An increased quality of life is the goal and to achieve that goal residents are providing more flexibility and privacy for attending to their basic needs such as eating, sleeping, and bathing. This includes converting semi-private rooms to private rooms and reinvesting to make units more homelike rather than institutional.
  • Assisted Living Facilities (ALFs)

    About one million Americans currently live in some type of senior living community, and this number is expected to double by the year 2030. By the year 2040, the 85+ population is expected to triple from what it was in 2011 at 5.7 million to 14.1 million, helping to contributing to the long term care (LTC) market as a growing niche for providers that make up this market, including assisted living facilities (ALF). These facilities provide personal care and health services for people who may need assistance with activities of daily living. Residents also have access to skilled nursing or rehabilitative care as they need it, and family members have the peace of mind that their aging loved ones are being well cared for.
  • Intermediate Care

    An intermediate care facility (ICF) is an emerging trend in health care and offers attractive alternatives to hospital care for elderly patients or can support an early discharge from the hospital. It’s designed for individuals who are disabled, elderly, or non-acutely ill, usually providing less intensive care than that offered at a hospital or skilled nursing facility.Intermediate care is a step down from skilled care, provided under physician supervision by licensed practical nurses or registered nurses. But unlike skilled care, intermediate care does not include daily therapy services such as physical therapy. Intermediate care includes assistance with cooking meals, provision of housekeeping and laundry services, and delivery of medication.
  • Independent Living

    Independent living facilities are designed for seniors who seek a community for daily activities and socialization. Independent living can best be described as communal living for seniors who only need minor assistance with the activities of daily living with the provision of such supportive services as meals, transportation, scheduled recreational activities and a variety of other services.Traditionally, independent living facilities have been patterned after apartments and condominiums. However, many of these communities are evolving to accommodate the different demands of our aging population. Seniors desire and require more services – both home-based and community-based.
  • Continuing Care Retirement Communities (CCRCs)

    Continuing Care Retirement Communities (CCRCs), also known as life-plan communities, progressively provide aging care needs for independent living, assisted living, and nursing home care. CCRCs are for adults who want independence and social connections, along with options for the type of care received.There has been a growth in CCRCs due to the increase in life expectancy and the need for care that provides more than the traditional nursing home or assisted living option. The concept is to provide for an individual’s needs as they grow older and require additional care. Initially, a person lives in an independent living facility, then progresses to assisted living, and when and if it is required, skilled care is received. Usually, an elderly person moves into a continuing-care retirement community while still living independently with few health risks or healthcare needs and will remain there until end of their life.
  • Professional Liability Insurance for Real Estate Firms

    Real estate firms face a variety of professional liability exposures while operating their business, which is why it is important for them to partner with insurance specialists that understand these exposures to help manage the risk.The team at Highland Risk Services helps our partner agents cover a wide array of these exposures while keeping premiums competitive. Coverage is available for exposures arising from owned property, discrimination allegations, environmental hazards and pollution, leasing activities, consulting, property management, construction management, development, asset management, and privacy breaches. Our program is available on a national basis from top-tier, professional liability insurers.
  • Our Target Real Estate Classes

    At Highland Risk Services, we specialize in providing professional liability insurance solutions to the real estate segment. We work exclusively with our agency partners, securing the custom coverage your clients require to protect them in the event of a claim involving an error or omission. Our solutions are available nationally and are through top-tier carriers with which we have longstanding relationships.
  • Get Your Clients Wired with Cyber Insurance

    Hackers are continually exploring new targets and refining their methods to break through cyber defenses, wreaking havoc on businesses of all sizes across all industry sectors. We saw this with WannaCry, which compromised thousands of computers; the Petya ransomware attack that cost international shipping firm Maersk hundreds of millions of dollars in lost revenue; and the Equifax breach, which led to the theft of Social Security numbers, birth dates, and other data on almost half the U.S. population. While these cyber attacks made headline news because of the size of the attacks, smaller companies are also continued targets of hackers and are particularly vulnerable to ransomware. Further, while no industry sector is immune, some, like healthcare, make greater targets for hackers. In fact, a 2017 KMPG study cites found that 47% of healthcare providers and health plans said they had instances of security-related HIPAA violations or cyber attacks that compromised data.
  • Eligible Classes for Cyber Insurance

    From healthcare, which topped the list of the most hacked industries in 2016, to manufacturing shops, financial services firms, transportation companies, real estate, and many others, addressing cyber threats today is a critical component of any comprehensive insurance and risk management program. And the threats keep increasing: We have the Internet of Things (IoT), which creates new opportunities for information to be compromised; the cloud with the threat to intellectual property; the proliferation of ransomware with demand payment in hard-to-trace cryptocurrencies; the weaponization of AI (Artificial Intelligence) that can mimic humans in spearfishing to dupe people into installing malware or sharing sensitive data; and cyber physical attacks targeting electrical grids, transportation systems, and supply chains; among others.

Testimonials

11 months ago
- Kevin P

About Us

Highland Risk Services is a nationally-known insurance wholesaler which specializes in quality business insurance solutions for hard-to-place risks in a number of industries, including healthcare, information technology, and real estate markets. Our goal is to provide insurance agents and brokers with comprehensive insurance products designed to protect against loss and to manage costs effectively. From healthcare and medical facilities managers to nursing homes, property professionals, and those in the IT sector, our insurance products provide security and coverage from a wide range of risks.

Industries We Serve

Highland Risk has made a name for itself by providing wholesale liability insurance for a broad range of business industries and professional personnel. We are best known for our comprehensive healthcare insurance solutions, with target classes including:

  • Acute Care Hospitals
  • Assisted Living Facilities
  • Medical Imaging Providers
  • Independent Living Facilities and Senior Centers
  • Nursing Homes
  • Home Healthcare Operations
  • Hospice Care Providers
  • Medical and Specialty Care Clinics

With the rise of data breaches and a focus on information security, Highland Risk Services is at the forefront of providing insurance solutions for a range of industries that rely on IT infrastructure to conduct business. A data breach can erode confidence in a business operation and expose companies to substantial financial risks. By addressing cyber threats with risk management plans and insurance protection, our coverage represents a powerful tool to ensure continued operation at competitive insurance rates. With our risk management programs and insurance coverage options, we have worked with leading carriers to develop cost-effective cyber insurance programs and services, even against emerging cyber risks. Some of our many target classes include:

  • Wholesale and Retail Operations
  • Healthcare and Medical Facilities
  • Healthcare Staffing Firms
  • Manufacturing Concerns
  • Transportation Providers
  • Hospitality
  • Public Utilities
  • Education Centers

Realty professionals, including the target classes of real estate brokers, property managers, title services, and escrow agents, face significant risks in their daily operations. Professional liability insurance plans serve to protect business assets and employees from the losses associated with legal claims. Working with exclusive agency partners, Highland Risk has developed a suite of custom-tailored insurance solutions. Our risk management services help insurance agents to analyze their clients’ specific risks and to provide coverage that addresses those risks perfectly.

About Highland Risk Services

Highland Risk Services was established in 2007. Our headquarters is in Escondido, California, and our firm operates offices in the Chicago metro area as well as Phoenix, Arizona and New York City. Our experienced team of insurance professionals has the industry knowledge to place difficult business-related risks across industries. We have built long-term relationships with leading insurance carriers, including specialty insurance underwriters, to give our agents and broker partners an impressive range of solutions for their clients. Highland Risk is known for its responsive service and customer care; we take the time to understand the needs of our partners and their business clients, helping us to deliver solutions that fit those needs perfectly. Our team’s extensive knowledge of business-related risk exposures. Together, those factors have helped our firm lead the way in providing the coverage needed to succeed.

Business and professional liability insurance is seen as the first step in a comprehensive risk management strategy, and this valuable protection provides coverage for the risks businesses face during their operations. To learn more about how Highland Risk Services can support you and your business clients, or to get started on an insurance quote, call us today at 1-877-890-9301.

Contact Us

Contact

Call now
  • (877) 890-9301

Address

Get directions
570 Frontage Road Suite #330
Northfield, IL 60093
United States

Business Hours

Mon:8:00 AM – 5:00 PM
Tue:8:00 AM – 5:00 PM
Wed:8:00 AM – 5:00 PM
Thu:8:00 AM – 5:00 PM
Fri:8:00 AM – 5:00 PM
Sat:Closed
Sun:Closed
Contact Us
Message sent. We'll get back to you soon.