Healthcare Liability

Bermuda Insurance Products


Our Bermuda-based Healthcare Liability practice offers third-party excess liability coverage for large hospitals, medical centers, and hospital systems.

Target Clients

We target sophisticated purchasers who assume a large portion of their own risk, practice strong clinical risk management and claims management, purchase large limits, and can provide either direct insurance or reinsurance to captive insurance companies. We, like our clients, value long-term relationships.

  • Multi-hospital systems
  • Academic medical centers
  • Pediatric and other specialty hospitals



  • U.S. $25M capacity

Target Attachment

  • Attachment points and programs customized for each client

Policy Forms

  • Flexibility in form

Coverage Features

  • Affirmative punitive damages covered
  • Follow form or stand-alone excess
  • Risk mitigation recognition program

Underwriting/Claims Capabilities

  • Extensive captive experience reinsuring more than 90 healthcare captives
  • Healthcare specific claims expertise in place
  • Claims database with over 2 million data points

Submission Requirements

  • Signed application
  • Minimum of 10 years of historical ground up, uncapped, individual loss data
  • 10 years of prior exposure data
  • Audited financial statements including captive or self-insured trusts
  • Description of claims, quality and risk management departments
  • Latest actuarial study


Also visit our U.S. Insurance – Healthcare Liability page for more information on our coverage for community-based hospitals, small healthcare systems, large physicians groups, and allied healthcare organizations. 


Kimberly Morgan
SVP, Healthcare Insurance Practice Leader Bermuda
Tel. +1 441 278 0923

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