Management Liability

With experienced underwriters and insightful analytical tools, we provide powerful management liability solutions for hospitals, health systems, miscellaneous medical facilities, physician groups, and managed care organizations—and the brokers who serve them.

Policy Features

  • Modular policy form with Directors & Officers Liability, Employment Practices Liability, and Fiduciary Liability coverage parts
  • Admitted primary and excess forms available in most venues
  • Most favorable venue language for punitive damages where insurable by law
  • Broad definitions of Insured Person and Organization
  • Affirmative coverage for Provider Selection claims
  • Defense costs coverage and sub-limits for indemnification included for:
    • EMTALA
    • Specified IRS claims
    • HIPAA violations
    • Excess benefit transaction excise taxes
  • EPL coverage for first- and third-party claims
  • No hammer clause on any coverage part

Coverage Options

  • Antitrust coverage up to the full D&O policy limit
  • Up to $1 million of additional Side A coverage
  • Defense costs sub-limit for healthcare fraud and abuse claims
  • Educator’s Legal Liability sub-limit
  • Wage & Hour defense costs sub-limit
  • Workplace Violence Expense sub-limit
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Eligible Risk Classes

  • Nonprofit hospitals and health systems
  • Nonprofit and privately owned miscellaneous medical facilities
  • Physician group practices
  • Nonprofit and private for-profit managed care organizations
  • Long term care facilities


  • $15 million in available capacity per coverage part on a primary and/or excess basis
  • Separate or shared limits available