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Product Fact Sheet

Liability and Medical Malpractice for Healthcare Entities

Your clients will benefit from our unmatched knowledge of the ever-evolving Healthcare industry segment. Our underwriting team has specialized in Healthcare for almost two decades, and we bring that expertise to our daily underwriting, appetite, and product development – whether for small allied health practitioner-led clinics, surgical risks, or large hospital systems.  

Our target classes of business:

  • Alcohol and Drug Programs and Treatment Centres

  • Allied Health Practitioner Clinics

  • Assisted Living

  • Chronic Care

  • Complex Continuing Care

  • Community Support Programs

  • Cosmetic Surgery

  • Dental Clinics

  • Diagnostic Imaging and Testing

  • Holistic Practitioners

  • Home Care

  • Hospices and Respite Services

  • Medical Clinics

  • Medical Spas and Spas/Salons

  • Mental Health Programs and Treatment Centres

  • Nursing Placement Agencies

  • Nursing Homes and Long-term Care

  • Pharmacies

  • Physiotherapy, Kinesiology, Occupational Health

  • Retirement Homes

  • Surgical Centres

  • Transfusion, Dialysis and Cancer IV Therapy

  • Women's Health Clinics

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We are also able to assist with:​

  • Emergency Care

  • Hospitals

  • IVF and Fertility Treatment

Available coverages:

  • Abuse Liability

  • Commercial General Liability, including Bodily Injury, Personal and Advertising Injury, Property Damage, Tenant's Legal Liability, Non-Owned Automobile, Employee Benefits Errors & Omissions

  • Employment Practices Liability

  • Loss of Documents

  • Medical Malpractice

  • Non-Profit Directors & Officers Liability

  • Proceedings Legal Defence Reimbursement

Coverage highlights:

  • $10,000,000 available limits

  • Broad definition of Insured

  • Blanket Contractual Liability

  • Defense Costs in Addition (except Non-profit Directors & Officers and Employment Practices Liability)

  • Double Professional Liability (Med Mal) Aggregate Limit, no General Liability Aggregate (except Completed Operations Hazard and Employee Benefits Errors and Omissions)

  • Market-leading SIGNAL Underwriting manuscript wording tailored for Healthcare entities

  • Punitive Damages (sub-limited)

  • Silent Abuse coverage for qualifying classes of risk (Claims-made buy-back option for remainder)

  • Worldwide cover, with claims brought in North America

What sets SIGNAL Underwriting apart:

  • Broad appetite

  • Customer focused on broker partners and insureds

  • In-house underwriting authority

  • Over 19 years of Healthcare broking and underwriting experience

  • Our Underwriters are here to help you with any of your industry-related questions so you can expertly guide your placement and client discussions

  • Secured Lloyd's of London Coverholder status within first year of operation

  • SIGNAL Underwriting Inc. only represents London security with a minimum rating of A- (AM Best rating) for this product

  • Claims handled by Canadian Third Party Adjuster experienced with Healthcare entities

  • Underwritten by certain underwriters at Lloyd's

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