Health Care Insurance, Benefits and Risk Advisory

Hospitals, surgical facilities, physicians, and other medical practitioners face malpractice and general liability exposure that scales with patient volume, procedure complexity and staff turnover. HUB's healthcare approach address system-wide exposure that aligns with what the Canadian Medical Protective Association (CMPA) or Healthcare Insurance Reciprocal of Canada (HIROC) already provide to a given client, closing gaps in property, cyber and other lines outside their core liability offering.

Urgent care clinics, labs, rehab providers, home health agencies, ambulance services and hospices carry a distinct risk profile; malpractice exposure combined with patient transport liability and protected health information handling across multiple physical and digital touchpoints. HUB's Allied Health Insurance programs are built around that combination, coordinating liability, cyber and property coverage so a single incident, such as a data exposure during a patient transfer, doesn't trigger deficiencies between policies written by different carriers. The goal is one program that reflects how allied health organizations actually move patients, data and staff between settings. This is where operational complexity and liability exposure are most tightly linked in healthcare, and where a coordinated program matters most.

Assisted living, skilled nursing and memory care operators carry elevated liability severity tied directly to the vulnerability of the residents they serve, and HUB has built its largest specialty practice around exactly that reality. HUB's Senior Care Insurance Solutions portfolio supports operators across Canada, backed by local specialists with decades of dedicated senior living experience. That depth means senior care operators get a broker who understands how liability, property and workforce risk interact in this setting. For senior care operators, that experience often means fewer surprises at claim time.

Virtual care and telehealth providers, from single-platform startups to established multi-site health systems, carry technology-driven and cross-jurisdictional exposure that traditional healthcare policies weren't built to address.  Organizations integrating AI into their practices face evolving risk and changing insurer approaches need tailored insurance coverage to meet the changing landscape. 

Beyond insurance placement, healthcare organizations need help identifying and reducing risk before it becomes a claim and attracting clinical and administrative talent in a persistently tight labour market. HUB's Healthcare Risk Services team applies its H.E.A.L.S. framework — clinical expertise, education, anticipation of emerging threats, long-term relationship building and safety expertise — to help organizations quantify and reduce risk across the enterprise. Paired with HUB's Employee Benefits practice, healthcare clients can address regulatory compliance, patient safety and workforce retention as one coordinated strategy rather than three separate conversations with three separate advisors. That integration reflects how healthcare risk and workforce strategy actually intersect in practice.