Hospital Insurance

Aging boilers, HVAC systems, water systems and diagnostic equipment accumulate deferred maintenance quietly, until one failure halts surgeries and disrupts patient care across an entire site. HUB's Healthcare Risk Services team applies facility risk assessment to quantify that exposure system by system, rather than waiting for a claim to surface it. Property and business-interruption coverage is then structured around actual infrastructure age and condition, not a generic facility profile, giving underwriters the maintenance-audit data they need to price the risk accurately. For multi-site health systems, this assessment extends across every location at once, so one facility's condition doesn't quietly become another's coverage gap.

A hospital's malpractice and general liability exposure aggregates across every department and provider at once, a fundamentally different scale than a single physician practice's contained risk. HUB structures professional liability programs around claims-made versus occurrence design, limits and tail coverage suited specifically to that institutional scale, then benchmarks claims history against peer hospitals so underwriters see a credible, well-documented trend rather than an unexplained number. This structuring work matters most at renewal, when a hospital's ability to explain its claims history in underwriting language directly affects the terms and carrier access available to it. For multi-site systems, that same benchmarking approach extends across every department and provider the system operates.

Emergency departments and psychiatric units face workplace violence at rates that other hospital departments and most other industries do not. HUB's Healthcare Risk Services team builds a formal, enterprise-wide prevention program covering training and threat assessment, rather than leaving prevention to ad hoc, department-level security measures. General liability and workers' compensation coverage is then structured around those documented prevention efforts, since a hospital's ability to show underwriters a program was already in place before an incident — not just how it responded afterward — directly shapes both pricing and claims exposure. For hospitals operating across more than one site, this program applies consistently across every location, not just the one where an incident has already occurred.

Hospital Insurance is the only healthcare provider category where HUB treats D&O and management liability and environmental liability as primary coverage considerations alongside the standard lines every provider carries. That reflects the institutional governance structure and biohazardous-waste exposure a hospital board and executive team manage that a smaller practice simply does not carry. HUB pairs standard facility and liability coverage with governance-focused D&O structuring and, for larger systems, complex risk structuring for alternative risk arrangements beyond standard commercial placement. For hospital boards and executive leadership, this means governance exposure is addressed as part of the same coordinated program, not treated as a separate purchase handled outside the main relationship.