IronHealth
® products combine Ironshore's industry-leading underwriting capabilities with progressive solutions for the unique liability issues within the healthcare community. We plan for an environment of ever-changing, complex liability exposures and, as a result, are able to offer comprehensive coverage with increased customization and greater stability. Our centralized operations, staffed with highly skilled, dedicated professionals, ensure prompt, consistent decision-making and quality services.
Hospital Professional Liability
Out of a long-term commitment to the healthcare market, we bring deep experience and strong problem-solving capabilities to the relationship. Every risk has its unique conditions, so we customize the security and service solutions for each insured. Our flexible, yet disciplined underwriting informs our ability to respond to opportunities - even those in historically difficult venues - and to offer innovative coverage solutions. Targeted placements include hospitals (stand-alone or multi-hospital systems), rehabilitation facilities, substance abuse facilities, psychiatric facilities, behavioral health facilities, long-term acute care facilities, critical access hospitals, specialty hospitals, home health and hospice agencies, integrated delivery systems and research organizations.
- Limits $25M capacity (primary and/or excess)
Physician Group Practice Liability
As the business of healthcare delivery has evolved, physician group practices have developed significant exposures that are no longer adequately served by traditional physician professional liability (PL) products. As a result, Ironshore has created an upgraded product – combining outstanding PL coverage with enterprise risk management in the form of additional liability coverages that can help protect the assets of the group. Claims-made coverage is available for groups of 10 or more physicians. Primary, excess (including excess of captives or SIRs), and reinsurance of captives and other retention vehicles limits are available.
- Primary policy limits of $1M/$3M ($2M/$6M available upon request)
- Excess limits available up to $15M
Long Term Care Professional Liability
Tailored coverage, exceptional security and effective risk management solutions for not-for-profit and for-profit long term care entities in all states. Claims – made or occurrence coverage is available on a primary and/or excess basis.
- Limits $1M /$3M primary
- Limits $10M excess
Managed Care Errors & Omissions Liability
IronHealth products cover the full range of managed care organizations. We understand and have expertise in underwriting not only the large traditional managed care organizations such as HMOs and PPOs, but also the myriad of other organizations which provide managed care services including IPAs, PHOs, UROs, MSOs, TPAs, PROs, QIOs, CVOs, care management and disease management companies, and healthcare consultants.
- Limits $25M (primary and/or excess)
- Directors & Officers Liability coverage is available to our E&O insureds
Pharmaceutical & Medical Devices
(Life Sciences Practice)
IronHealth Products Liability Insurance and Commercial General Liability Insurance policies are available for established and emerging companies in the Life Sciences industry including those involved in pharmaceutical, biotechnological and medical device manufacturing. We offer flexible options, which allow us to adapt to this fast-paced and rapidly changing field. We have an experienced underwriting team and provide a broad geographic footprint with offices in San Francisco, Chicago, Dallas and Boston.
- Limits $10M in Excess Capacity; coverage for human clinical trials, true worldwide coverage and professional errors and omission coverage for on-staff sales personnel and medical professionals
Custom Account Facility
Not every insured is looking for standard, traditional risk transfer options. Some may require a creative solution not easily found. Our Custom Account Facility specializes in non-traditional risk transfer solutions and in developing ways to address a specific need that other carriers cannot or won’t consider. Examples of solutions include, but are not limited to:
- Options to purchase insurance coverage or additional limits at a later date at preset terms, including potential coverage for existing claims
- Swing-rated, or “loss sensitive” arrangements
- Stop loss coverage for an insured’s self-insured retention
- Fronting arrangements
- Loss portfolio transfers
Miscellaneous Healthcare Facility
Effective immediately, access to IronHealth's Miscellaneous Healthcare Facility product is no longer restricted to any exclusive arrangements. We will now underwrite this business on an open brokerage basis and have hired Scott Trigg as Product Manager to handle all incoming submissions. Minimum premium for primary limits will be $5,000; limits available up to $25M for larger organizations on a primary or excess basis and coverage will be available to more than 75 classes and sub-classes of business. In addition, the product will be written on an E&S basis.
Submissions can be sent to
ironhealthsubs@ironshore.com. Also, Scott can be contacted via email at
scott.trigg@ironshore.com or via phone at (205) 970-6119.
