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    Healthcare in Professional liability

    Hospital professional liability

    Nat Cross

    Nat Cross

    Healthcare Focus Group Leader & Underwriter

    There are over 5,500 hospitals in the US, and Beazley insures many of the best. These include over a quarter of Healthgrades' top hospitals in the US and eleven (out of 18) of the honor roll hospitals and seven (out of 10) of the pediatric honor roll hospitals as listed by US News and World Report. We work closely with our insureds to help them achieve the highest possible patient safety standards.

    We seek quality focused organizations that are skilled at managing their own risk and that wish to partner with an insurer who trusts them to do this, and who will cooperate rather than interfere.

    Beazley policies provide broad coverage that includes: 

    • Full spectrum of hospital risks insured, from small community through to major tertiary urban teaching institutions
    • Coverage for hospital professional, general and umbrella liability (including executive lines)
    • Employed physicians and residents
    • Non-employed physicians in certain instances
    • Clinical trials
    • Managed care liability
    • Broad medical incident language (i.e. multi-claimant events)
    • Aggregate retentions (subject to the application of a maintenance deductible).

    We will pay these losses:

    Subject to the terms and conditions of the actual policy, we will pay claims for:

    • Damages awarded against the assured
    • Defense costs and expenses

    Limits available

    Up to US $20,000,000

    Target market

    Larger entities managing their own claims and seeking excess protection

    Improving patient safety

    Beazley's Quality Indicator Return Premium (QuIRP) program is unique in the medical malpractice market. Instead of working from industry-wide quality benchmarks (which frequently conflict with one another), Beazley adopts a tailored approach to the circumstances and needs of each individual client. At the beginning of the policy period, Beazley agrees with the client on a set of target quality improvements. If these targets are met by the end of the policy period, the client will receive a pre-agreed return premium, which may be a substantial sum.

    Under the QuIRP program, a client can receive a payment even if it has made a claim during the policy period. No quality measures can guarantee impunity from lawsuits, but through the QuIRP program Beazley seeks to institutionalize procedures that, over time, should reduce claims.

    Since the inception of the QuIRP program, Beazley has returned over $6,000,000 in premium due to quality improvements put in place by the insureds.

    Hospital professional liability team

    Underwriters

    Nat Cross

    Healthcare Focus Group Leader & Underwriter

    Nat Cross

    London, UK

    +44 207 674 7236

    Valentina Minetti

    Healthcare Undewriter/Actuary

    Valentina Minetti

    London, UK

    Claims

    Kati Bynon

    Claims Manager

    Kati Bynon

    New York, NY, USA

    +1 646 943 5917

    Steven Chang

    Claims Team Leader - Healthcare

    Steven Chang

    New York, NY, USA

    +1 646 943 5911

    Anthony DellaCroce

    Claims Manager

    Anthony DellaCroce

    New York, NY, USA

    Anthony Hobkinson

    Group Head of Claims

    Anthony Hobkinson

    London, UK

    Keri Marmorek

    Claims Manager

    Keri Marmorek

    New York, NY, USA

    +1 646 378 4009

    Adam Moser

    Claims Manager

    Adam Moser

    New York, NY, USA

    917-344-3318

    Hospital professional liability forms

    Product fact sheets

    Healthcare Claims Factsheet
    Hospital PL Factsheet

    The descriptions contained on this website are for preliminary informational purposes only. In the US, the product may be available on an admitted basis in some but not all jurisdictions through Beazley Insurance Company, Inc. In other US jurisdictions, the product is underwritten by Beazley syndicates at Lloyd's and is available only on a surplus lines basis through licensed surplus lines brokers. The publication and delivery of the information contained herein is not intended as a solicitation for the purchase of insurance on any US risk.

    Except where products are issued by Beazley Insurance Company, Inc., coverages are underwritten by Beazley syndicates at Lloyd's and will vary depending on individual country law requirements and may be unavailable in some countries.  The exact coverage afforded by the products described herein is subject to and governed by the terms and conditions of each policy issued.

    Some coverages are made available through Beazley USA Services, Inc., which is a service company that is a part of the Beazley Group and has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's syndicates 623 and 2623 which are managed by Beazley Furlonge Limited.  Beazley USA Services, Inc. is licensed and regulated by insurance regulatory authorities in the respective states of the US and transacts business in the State of California as Beazley Insurance Services (License#: 0G55497).