Patient and professional risk
Review professional liability, general liability, and related coverage based on services, staffing, and contracts.
Commercial coverage for healthcare organizations
Healthcare Business Insurance
Healthcare organizations face a combination of professional, operational, property, workforce, and data risks. GLG helps medical facilities, hospitals, skilled nursing facilities, assisted living facilities, nursing homes, and laboratories organize commercial coverage around the services they provide and the people they serve.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Facilities and equipment
Protect eligible buildings, contents, specialized equipment, and income exposures against covered causes of loss.
People and information
Consider workers’ compensation, employment-related exposures, cyber events, and privacy obligations.
Commercial insurance for healthcare operations
Healthcare insurance programs are built from multiple policies. The right combination depends on the organization’s services, licenses, locations, patient population, revenue, contracts, and claims history.
- Professional liability or medical malpractice coverage, when applicable
- Commercial general liability and umbrella or excess liability
- Commercial property, equipment breakdown, and business income
- Workers’ compensation and employment practices liability
- Cyber liability, privacy-event response, and network security coverage
- Commercial auto, hired and non-owned auto, or patient transportation coverage
Information carriers may review
Accurate operating details help underwriters understand the risk and determine which markets may be appropriate.
- Types of medical services and procedures
- Professional credentials, staffing, and use of independent contractors
- Annual patient visits, beds, census, or specimen volume
- Licensing, accreditation, quality controls, and incident reporting
- Building protection, medical equipment, data systems, and backup procedures
- Prior coverage, claims history, and requested limits
Coverage that follows the operation
A small outpatient practice, a hospital, a skilled nursing facility, an assisted living community, and a diagnostic laboratory do not present the same exposures. GLG works from the actual operation so coverage discussions can address the organization’s services, property, workforce, technology, resident or patient needs, and contractual responsibilities together.
Common questions
Healthcare Business Insurance FAQ
What insurance does a healthcare business need?
Needs vary by operation, but organizations commonly consider professional liability, general liability, property, business income, workers’ compensation, cyber, and umbrella or excess liability. Some services or contracts require additional coverage.
Is healthcare professional liability the same as general liability?
No. Professional liability generally addresses certain claims involving professional services. General liability generally addresses covered third-party bodily injury, property damage, and personal or advertising injury claims.
Can one policy cover every healthcare exposure?
Usually not. Healthcare organizations commonly combine several policies or coverage parts, each with its own definitions, exclusions, limits, and conditions.
Talk through your options