Insurance for Healthcare Organizations
Where cookie-cutter programs fall short:
Healthcare organizations carry liability, cyber, regulatory and workforce risk at the same time. These are the gaps we find most often.
Malpractice and general liability policies generally do not respond to most cyber and privacy events. Industry figures put the average healthcare breach near $9.77 million per incident.
Claims-made versus occurrence, tail and prior-acts coverage decide what protects you when providers or carriers change. Defense costs inside your limits can drain a policy fast in a complex case.
Employed, contracted and locum tenens providers are each covered differently. When a claim names everyone on the chart, your entity program and individual policies need clear lines between them.
CMS, state licensing boards and the OIG can open investigations, and credentialing and employment claims land at the same table. How management liability responds differs from one program to the next.
We look for structural gaps and give your leadership team clear recommendations. No obligation.
Our Practice Group Works With:
Coverages We Place for Healthcare
Verdicts above $10 million changed what a limit means. We compare claims-made and occurrence on long-term cost, and review defense costs and provider status.
Breach response with forensics, notification and credit monitoring, plus ransomware, downtime and HIPAA-specific support, with access to breach coaches and privacy counsel.
Protection for leadership decisions and governance responsibilities, reviewed alongside your professional liability and cyber so nothing falls between policies.
Coverage for claims arising from hiring, management and termination of staff across a large, diverse workforce.
Protection for plan fiduciaries, and for financial loss from employee dishonesty.
Programs shaped around the physical demands of care settings, backed by Liberty’s risk management team and dedicated claims advocacy with healthcare litigation experience.
About Liberty
Liberty has consistently been recognized as one of the most dynamic, fastest growing companies as well as one of the best places to work in the insurance industry, including being recognized as the #1 Fastest Growing Privately Held Insurance Broker in the U.S. over the past four years by the Hales Report.
Liberty is not your typical insurance broker: We are a culture-first organization, and believe “If you put people first, good business will follow.” Our goal is to clear the path of political and administrative distractions so our valued team of creators can focus on their Highest And Best Use (HABU), which is what they love to do, what they do best, and therefore, is best for all of us.
