Protection from HIPAA Exposure for Social Service Organizations

 HIPAA Endorsements“The Office for Civil Rights enforces the HIPAA Privacy Rule, which protects the privacy of individually identifiable health information; the HIPAA Security Rule, which sets the national standards for the security of electronic protected health information; and the confidentiality provisions of the Patient Safety Rule, which protect identifiable information being used to analyze patient safety events and improve patient safety.” (U.S. Department of Health & Human Services)

The Health Insurance Portability and Accountability Act (HIPAA) rules also apply to businesses, such as the social services organizations referenced below. They are required to comply with HIPAA stipulations in order to conserve their patients’ privacy rights and secure health information. Unfortunately, there are instances when these HIPAA rules are violated and a mistake is made, which may lead to a claim filed against the insured’s business.

As a specialist insuring a wide range of human & social services, it is crucial for AFC Insurance to comprehend the exposures involved with each class of business to efficiently and adequately provide the necessary coverages. The majority of eligible risks for our Human & Social Services Insurance Program share the same exposures as their operations involve the management of patient and client files, records, and private information.

Some of these eligible risks include, but are not limited to, Adult Day Care Centers, Addiction Treatment Centers, Hospice Agencies, Mental Health Facilities, HIV/AIDS Services, Intermediate Care Facilities, Respite Care and Traumatic Brain Injury.

Within our Human & Social Services Insurance Program, our insureds may be offered the Limited Health Insurance Portability and Accountability Act Coverage Form endorsement to protect them from the HIPAA exposure. This endorsement provides coverage for defense and damages.

The program may also offer an extension endorsement to the Commercial General Liability form within AFC’s Human & Social Services Insurance Program. The Limited Health Insurance Portability and Accountability Act (HIPAA) Coverage Extension Endorsement is sub-limited to $50,000 and is offered at no additional premium*.

These coverages are not automatically provided, but may be offered as an extension to an insured’s policy. For additional information on AFC’s HIPAA protection endorsements and eligibility requirements, please call 877-456-5323 or email

For additional information on HIPAA, visit the United States Department of Labor or the U.S. Department of Health & Human Services.

*Coverage excludes intentional, willful or deliberate acts and criminal acts.
*Not available in all states. Some state restrictions may apply. Please inquire.

AFC Insurance writes this blog. The content and opinions expressed in this blog are strictly for informative purposes from sources that are presumed accurate. AFC Insurance does not assume responsibility for any misguided information and no guarantees are implied.