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Miscellaneous Medical & Life Sciences (Small Business)

Small healthcare and life sciences organizations face a range of increasingly sophisticated risks. In today's litigious business climate, one bodily injury claim has the potential to wipe out a small business's financial resources. Companies with fewer employees on the payroll are also more likely to use the services of a third-party vendor or volunteers, opening up the potential for additional liability.

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What we offer

A professional, general, and privacy liability policy available on a surplus line or admitted basis providing up to five towers of coverage on every quote. Additional coverages available for: 

  • Hired and non-owned auto 
  • Business Personal Property 
  • Employee Theft 

Up to US $5M 

Minimum deductible: $0 

Minimum premiums: $1,500 

How can we help

Our underwriting and claims teams work hand-in-hand to explore and create bold solutions for our policy holders; this alliance is unique to Beazley and truly sets us apart in the market. We have a wide range of coverages in various combinations of MPL/GL/EBL/Products Liability.  

Because of this, our appetite is vast and includes bespoke policy wordings for areas such as life science products, service providers, allied health, and telehealth risks. 

Who we can help

A broad spectrum of companies, including (but not limited to): 

  • Diagnostic centers 
  • Home health 
  • Medical laboratories 
  • Medical clinics 
  • Occupational and physical therapy 
  • Imaging centers (CAT Scan, MRI, X-Ray, etc.) 
  • Pharmacies 
  • Outpatient mental health 
  • Outpatient substance abuse treatment 
  • Telehealth 
Globe

WHERE IS THIS OFFERED?

US - We can also consider risks with non-US operations and/or exposures. Canada – We can consider risks with non-Canadian operations and/or exposures 

The Beazley Difference

  • Expert underwriters with technical backgrounds and hands-on experience in the field
  • Deep understanding of environmental exposures
  • A global underwriting team that works collaboratively with brokers and insureds
  • A focus on complex and hard to place risks
  • Consistent appetite which is broader than most other insurers 
  • Bespoke policy wordings for the client’s industry and environmental needs
  • Dedicated claims managers to work with clients throughout the entire claims process

Examples or Scenarios

Allegations that laboratory insured provided inconsistent / incorrect laboratory results in patient blood samples.

Your Beazley Team

Sara Brock

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Sara Brock

Focus Group Leader – US PE Miscellaneous Medical

Remote Worker - Louisiana

+1 (860) 674 4663

Email Sara

Jessica Gunter

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Jessica Gunter

Underwriter - Miscellaneous Medical & Life Sciences

Vancouver, Canada

+1 (778) 373 4432 ext. 1466

Email Jessica

Nadia Simard

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Nadia Simard

Underwriter-Specialties

Toronto, Canada

+1 (416) 777 7935

Email Nadia