Healthcare Liability

Tailored coverage for today’s growing healthcare risks

Contact our experts

In today’s challenging healthcare environment, it is more important than ever that your allied healthcare, senior living, and hospital facilities clients are protected against a wide array of risks. Munich Re Specialty offers a broad scope of customized solutions, an unparalleled level of healthcare safety and risk management expertise, and a superior level of service to our brokers.

Why choose Munich Re Specialty for healthcare coverage and risk management solutions?

Financial strength and stability of Munich Re, a 140-year-old industry leader
Primary, excess, and umbrella healthcare products are accessed through appointed wholesalers and by appointed retailers for hospital risks
Targeted distribution, speed to market, broad and flexible appetite
Expert underwriters who are relationship-driven, focused on your business, and committed to fast responses
A broad risk appetite across industries; no geographical restrictions
Industry-specific experience throughout our Underwriting, Loss Control, and Claims teams
Customer-focused service model delivering timely underwriting, policy insurance, and claims services
Quick adaptation to volatile market conditions both nationally and locally

Healthcare capabilities

Allied Healthcare facilities

Serving a variety of outpatient and inpatient facilities ranging from standalone to national providers. Our broad appetite across 50+ classes includes home healthcare, hospice, imaging centers, dialysis centers, pharmacies, laboratories, rehabilitation centers, surgery centers, medical transport, urgent care centers, schools, staffing agencies, and more.

Senior living facilities

Solutions for and across the aging care continuum for senior living facilities. These range from standalone facilities to national providers that include skilled nursing homes, assisted living facilities, independent living centers, and adult day care.

Hospital facilities

Coverage across the hospital market: academic, community, and specialty hospitals for single state, regional, and national providers.

Coverage details

Primary protection

Offered through a variety of limits, deductibles, and self-insured retention options

Primary coverages include:

Professional Liability

General Liability

Employee Benefits Liability

Hired and Non-Owned Automobile coverage

Supplementary coverages

Professional Employee Disciplinary Actions coverage

Facility Evacuation Expense coverage

Business Crisis Management Expense coverage

Public Relations Events Expense coverage

Resident Loss of Property coverage

Umbrella and Excess

Protection can be offered over a variety of coverages and attachment points.

Coverages include:

Professional

General

Employee Benefits

Employers

Automobile

Helipad

Value-added services

Cyber Suite Endorsement*

Provides Cyber Liability insurance first-party coverages: Data compromise response, computer attack, cyber extortion, misdirected payment fraud, computer fraud, telecommunications fraud, and identity recovery. Third-party coverages include privacy incident, network security, and electronic media liability.

^{* Applicable only to select Allied Healthcare classes}

Healthcare safety and risk management services

Our Loss Control team of healthcare safety and risk management experts offers proven tools and tactics to support and enhance your organization’s safety and risk management strategy:

On-site risk assessments tailored to meet the needs of your organization
Customized healthcare safety and risk management educational presentations
Research and analysis on healthcare subject topics, including case law, regulatory matters, trends, and more
Healthcare and Risk Management Webinar Series — real-time webinars on current practical topics with leading industry experts
Access to our complementary virtual library of healthcare risk management educational materials (free registration needed to access)
Healthcare Safety and Risk Management Grant Program for select insureds can provide reimbursement for products and services you purchase that support healthcare safety and risk management initiatives. Ask an underwriter for details.