Hospitals

Our strong, experienced team provides standard and manuscript coverage solutions for any type of complex risks, including hospitals, health systems, reinsurance of captives, or any other segments that require nontraditional structures.

Coverage Features

  • Defense outside the limit
  • Affirmative coverage grants for physical abuse and sexual misconduct
  • Coverage for punitive damages where insurable with most favorable language
  • Broad definition of insured to include employed physicians, volunteers, students, locum tenens, and interpreters used in connection with the provision of medical services
  • 60 days’ automatic coverage for newly acquired entities
  • Incident sensitive claims trigger when claims made
  • Limited breach of confidentiality coverage when protected health information is inadvertently published or overheard

Coverage Options

  • Professional Liability
  • General Liability
  • Employee Benefits Liability
  • Evacuation expense
  • Legal/media coverage
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Eligible Risk Classes

  • Hospitals
  • Health systems

Additional Considerations

  • $50,000 minimum premium for primary policies
  • $5,000 minimum premium (per million) for excess policies
  • First dollar, deductible, and SIR options available

Limits

  • Ability to offer primary, lead excess, capacity excess, and captive reinsurance
  • Primary limits of $1 million/$3 million are standard (lower limits are possible)
  • Excess/umbrella limits of $15 million
  • Umbrella capabilities over ancillary coverages (auto liability, employers liability)
  • Dual towers of coverage