Healthcare Entity Comprehensive Liability

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Our healthcare entity comprehensive liability coverage contract is designed for hospitals, clinics, surgery centers and their affiliated providers.

Coverage includes:

  • Professional liability (claims-made coverage)
  • General liability (occurrence-based coverage)
  • Personal injury and advertising liability (occurrence-based coverage)
  • Employee benefits administration liability (occurrence-based coverage)
  • Pollution liability (claims-made coverage)
  • Fire and water damage legal liability (occurrence-based coverage)

Coverage provided by:

  • BETA Risk Management Authority (BETARMA)—A.M. Best rating: A (Excellent); FSC IX
  • Health Providers Insurance Reciprocal, RRG (a BETA Healthcare Group company)—A.M. Best rating: A (Excellent); FSC IX

Limits of liability:

  • $1 million up to $50 million per occurrence (professional liability and general liability)
  • $500,000 per occurrence/$1 million aggregate (pollution liability sub-limit)
  • $500,000 per occurrence/$500,000 aggregate (fire and water damage legal liability)


  • $1,000 to $500,000
  • Deductibles offered on both indemnity only and indemnity and defense expenses basis
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