Comprehensive Coverage
for Medical Enterprises

Medical malpractice coverage protects physicians, surgeons, anesthesiologists, and other licensed specialists against claims arising from professional errors, omissions, or negligent acts in the course of patient care. Our policies cover defense costs, settlements, and judgments on both a per-occurrence and aggregate basis.

Professional liability extends this protection to allied health professionals – nurses, diagnostic technicians, physical therapists, and others – whose errors can create institutional liability even when a physician is not directly involved. We offer both individual-basis and group-basis professional liability programs for enterprises with large staff populations.

Both coverages can be structured on claims-made or occurrence basis, with tail coverage available for extended reporting periods when staff changes occur.

Healthcare organizations are among the highest-value targets for ransomware and data theft attacks. Electronic health records contain dense concentrations of personally identifiable information, and operational continuity is life-critical in ways that no other sector faces.

Our healthcare cyber risk coverage includes: first-party ransomware response and recovery costs, business interruption during system outages, patient breach notification expenses, HIPAA regulatory defense costs, forensic investigation, and PR crisis management. For multi-facility enterprises, we provide enterprise-wide cyber programs with coordinated sub-limits per facility.

Coverage can be tailored to include social engineering fraud, cloud service provider failures, and medical device security incidents – a growing exposure as IoT-connected medical devices multiply across hospital networks.

Medical equipment represents some of the highest-value movable assets in any enterprise. MRI systems, robotic surgical platforms, CT scanners, electron microscopes, and high-throughput diagnostic analyzers can individually exceed $5 million in replacement value.

Our medical equipment coverage is structured on a replacement cost basis with no depreciation applied, ensuring that a covered loss restores operational capability rather than accounting book value. Coverage applies to owned equipment, leased equipment, and equipment under service agreements.

Building and property coverage for healthcare facilities is designed for the specialized construction and regulatory requirements of medical environments – medical gas systems, redundant power infrastructure, radiation-shielded rooms, and sterile environments that cannot be replaced at generic commercial construction rates.

Business interruption for healthcare enterprises presents unique valuation challenges. Revenue is not simply lost during closure – it is also partially replaced by patient diversion costs, temporary facility expenses, and reputational recovery costs that can extend months beyond physical restoration.

Our business interruption programs for healthcare clients are based on trailing 12-month revenue, with extended indemnity periods that reflect the realistic time required to restore fully operational healthcare facilities. Triggers include physical damage, contamination-based mandatory closure, regulatory shutdown, and utility service interruption.

For multi-facility enterprises, we offer contingent business interruption coverage that protects against revenue loss when a supplier, referral partner, or essential service provider suffers a covered loss that cascades to your operations.

Healthcare executives and board members face personal liability exposure from regulatory enforcement actions, shareholder or stakeholder litigation, securities claims, employment practice disputes, and fiduciary duty claims specific to healthcare governance.

HIPAA enforcement actions can name senior executives personally. Hospital board members face fiduciary claims that may not be covered under standard D&O policies designed for commercial corporations. Our healthcare-specific D&O programs address these exposures directly.

Coverage is available on both a Side A (individual protection when the corporation cannot indemnify) and Side B/C basis, with entity securities coverage available for publicly traded healthcare enterprises. Run-off coverage is available for mergers, acquisitions, and leadership transitions.