Business Solutions for the Real World
Give us a call to get started! 304.935.2002
Business Solutions for the Real World
Give us a call to get started! 304.935.2002
Hospital Professional Liability Insurance
Energy and
Manufacturing
Industry Expertise
Hospitals face some of the most complex and consequential insurance exposures in the commercial insurance market. A single adverse event can generate claims that exceed what most standard commercial policies are designed to handle. Getting the program structure right — before a claim happens — is everything. Centurion Insurance Services works with hospitals and health systems across the country to design and manage comprehensive professional liability programs. We bring independent, carrier-agnostic expertise to one of the most consequential purchasing decisions your organization makes.
Conditions change daily in the energy and manufacturing industries. Factors including economic demand, global trading markets, government regulations and political climates create volatility. Although we cannot control the possibilities afforded by these changes, we can control how we respond to them. Centurion understands the realities of these fluctuating conditions and how to help your business respond.
One of the best responses to volatility is advocacy – having an insurance team who will help you navigate an ever-changing landscape. Our team members dig deep to understand our client partners and their business needs. We pair our expertise with knowledge of your business to create innovative insurance solutions for each client. Most importantly, Centurion will be there to support your company when you need us.
The Centurion Advantage
OUR EXPERIENCED TEAM of energy and manufacturing industry professionals provides best-in-class claim handling, including executives who have managed eight-figure casualty and property losses.
OUR TEAM OF INDUSTRY VETERANS will market your insurance program using their knowledge of key insurance carriers, both domestic and international, and create a customized plan for your company.
WE LEARN YOUR ORGANIZATION’S culture and operations to understand your unique exposures and appetite for risk. We become an extension of your in-house risk management department.
WE REVIEW ALL MSA and contracts to verify insurance program programs support indemnification as agreed. We also handle all ISNetworld insurance issues, including uploading Certificates of Insurance.
OUR IN-HOUSE LOSS CONTROL SPECIALIST will help you implement an effective day to day loss prevention program, and customize a risk management program to help achieve your objectives.
Hospital Liability Exposures
Hospitals face professional liability claims arising from virtually every department and service line. The most significant exposures include:
Physician and nursing professional liability — errors, omissions, and negligence in direct patient care
Emergency department liability — high-volume, high-acuity environment with significant claims
frequency
Surgical and procedural liability — wrong-site surgery, anesthesia complications, and post-
surgical outcomes
Credentialing liability — failure to properly credential or monitor physicians with privileges
Labor and delivery — among the highest-severity claim categories in hospital liability
Premises and general liability — patient falls, visitor injuries, property damage
Directors and officers — board decisions, regulatory matters, and governance disputes
Employment practices liability — wrongful termination, harassment, discrimination
Cyber liability — HIPAA breaches, ransomware, and electronic health record exposure
Program Structures for Hospitals
Hospital professional liability can be structured in several ways depending on size, claims history, risk tolerance, and financial capacity.
Commercial Insurance
Traditional carrier-provided coverage. Appropriate for community hospitals, critical access hospitals, and smaller health systems that prefer to transfer risk entirely.
Captive Programs
Larger health systems often use captive insurance arrangements to finance a portion of their risk, reduce premium costs, and gain more direct control over claims management.
Self-Insurance / Risk Retention
Some hospitals retain risk up to a defined retention level and purchase excess coverage above that threshold.
Excess and Umbrella Coverage
Regardless of your primary program structure, adequate excess limits are essential. Hospital claims can reach into the tens of millions of dollars. We evaluate all of these approaches and help your organization determine the structure that best fits your risk profile and financial strategy.
The Credentialing Liability Issue
One of the most significant — and frequently overlooked — hospital liability exposures is credentialing. If a hospital grants privileges to a physician who subsequently causes patient harm, and that physician had red flags in their background that a proper credentialing process would have identified, the hospital can face direct liability. Credentialing liability coverage protects hospitals against claims arising from the credentialing process itself. We make sure this coverage is explicitly addressed in every hospital program we design.
Frequently Asked Questions
What limits does a community hospital typically need?
This varies significantly based on bed count, service lines, location, and historical claims experience. A proper limits analysis should be performed — not assumed from industry averages.
How does hospital professional liability interact with individual physician coverage?
Hospitals typically cover employed physicians under the hospital’s policy. Independent physicians with privileges are generally required to carry their own coverage. The interaction between these two programs — including who defends whom in a joint claim — should be clearly understood before a claim occurs.
What is claims-made vs. occurrence coverage for hospitals?
The same principles that apply to physician coverage apply here. Most hospital professional liability programs are written on a claims-made basis, which creates tail coverage obligations when programs change.
Do you work with critical access hospitals?
Yes. Critical access hospitals have distinct coverage needs and often qualify for different carrier programs than larger acute care facilities. We have experience working with CAHs nationwide.
How do we start?
Contact us at 304.993.8393 or reach out online. Hospital insurance programs require a detailed submission — we’ll guide you through the information-gathering process step by step.
Complex risk. Independent expertise.
Contact Centurion Insurance Services to begin your hospital liability program review.
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Energy and Manufacturing Specialized Services
Our custom services include:
● Primary General Liability, Commercial Auto and Workers’ Compensation
●Excess Workers’ Compensation
●Construction liability
●Public and products liability, and onshore and offshore liability
●Customized general liability including time element pollution extension, contractor’s pollution liability, owned and non-owned watercraft
●Full umbrella coverage and extensions
●Global Programs
●Claims
●Dedicated Loss Control
Energy and Manufacturing Expertise
Our team of industry veterans has experience in:
●Binding Authorities
●Heavy Industry
●Locally Admitted Policies
●Manufacturing
●Mining
●Oil and Gas
●Product Supply
