healthcare liability insurance safety and risk management for Allied Healthcare, senior living, and hospitals
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Healthcare Liability

Tailored coverage for today’s growing healthcare risks

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    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.
    Reinsurance company offering Healthcare Liability insurance
    © ljubaphoto / Getty Images

    About Munich Re Specialty

    Munich Re Specialty – North America products and services are offered by and provided through insurance companies and producers/surplus lines brokers that are eligible or licensed in accordance with the laws and regulations of individual jurisdictions. Products and services are not available in every, and may vary by, jurisdiction. The information provided on this site is intended as general information only and does not constitute an offer to sell or a solicitation to purchase insurance or non-insurance products and services. Please be aware that the insurance policy and not any information provided on this site will form the contract between the parties thereto, and will govern in all cases. Munich Re Specialty – North America’s insurance products and services in the United States, Canada, and the United Kingdom are underwritten and provided by or through one or more of the insurers, producers/surplus lines brokers that are members of the Munich Re Group identified below. Each company is financially responsible only for insurance policies it has issued.

    For more information on Munich Re Specialty, including licensing, regulatory-required, and other information on the operating companies, please click here.