Healthcare Excess Liability Insurance
XL Catlin offers excess liability insurance coverage to a broad group of healthcare industry clients.

Product details


USD 75 million


– Integrated occurrences, with minimum attachment of USD 25 million
– Punitive damages explicitly covered
– Excess named perils only, subject to a maximum combined limit of USD 100 million
– Unlimited discovery, at a pre-determined cost
– Annual or multi-year swing rated and/or commutation programs
– Multi-year, single aggregate
– Follow form claims-made
– Healthcare reinsurance certificate
– Excess named perils

Client Profiles

We offer excess liability coverage solutions for:
• Hospitals
• Senior care facilities
• Managed care organizations
• Large physicians groups
• Miscellaneous healthcare facilities including:
   - Pharmacies
   - Home Health
   - Outpatient
   - Dialysis Clinics

Typical Information Required

 - Policy Terms/Coverages Required
 - Financials and Description of Operations
 - 5 years of Currently Valued Loss Information
 - Underlying Application, Coverage Terms, Conditions, Quotes or Equivalent Information

Benefits & Services

Unique Coverage Features & Structures
• Explicit Punitive Damage coverage
• Unlimited Discovery at a pre-determined cost
• Annual or multi-year single aggregate guaranteed cost
• Annual or multi-year program with profit sharing feature
including swing rated and/or commutation features
• Integrated Occurrence coverage with minimum
attachment of USD 25M

Claims Services and Expertise
XL Catlin has specialized healthcare claims expertise, and
exceptional claims service. Prompt, efficient and amicable
claims resolution is important to us and we invest in
maintaining it.

Risk Management Services
XL Catlin partners with The Sullivan Group, a premier provider
of clinical risk management and loss prevention services to
hospitals, physicians and nurses throughout the US.

Attachment Point

Minimum attachment of USD 5M (lower attachments can be considered based on exposure and loss profile – full drop down available subject to a maintenance SIR)

Limits On Product


Minimum Deductible


Minimum Premium


This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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