Property and Casualty Insurance
Gallagher has strategic alliances and long-term relationships with all of the industry's leading insurers, enabling us to design insurance programs that address the unique needs of today's healthcare providers. Combining risk assessment, in-depth analysis, extensive knowledge of our client's business and innovative risk management, we deliver creative, cost-effective results that ensure our client's financial health is protected.
Providing a full array of property products and services, Gallagher has a large client base, ranging from hospital systems to nursing homes to physician offices. From highly protected risks to catastrophic exposures, our property specialists work to develop an understanding of each client's specific exposures as they relate to the healthcare segment in which they operate. Gallagher can assist in identifying, developing and implementing the property insurance program that is right for you and your organization. Additional specific coverages may include:
- Mobile Medical Equipment
- New Construction Projects / Builders Risk
- Highly Protected Risk (HPR)
- Contingent Business Interruption
The rapidly increasing use of Internet technology has created and expanded new business opportunities and methods for delivering services. However, it has also created new exposures and risks for healthcare providers. With accelerated communication come new "cyber" exposures that require unique risk management consideration. Intellectual Property, HIPAA, Sarbanes-Oxley, and computer viruses have become serious concerns of healthcare providers on a daily basis. Gallagher delivers effective risk management services and insurance products that ensure your business is protected against claims evolving from cyber risk.
Commercial Auto Liability
Healthcare providers often find securing auto liability challenging due to such loss-sensitive exposures as those associated with patient transport or hired and non-owned liability. From locum tenens staffing companies to home health agencies to the executive fleet, Gallagher delivers comprehensive commercial auto liability programs combined with comprehensive loss control support.
Gallagher recognizes the critical nature of seamless coverage between a healthcare provider's general and professional liability policies. Our professionals specialize in risk assessment pertaining to patient and non-patient care, premises occupancy, daily operations, and contractual obligations resulting in insurance contracts that provide comprehensive coverage. These programs range from "first-dollar" to alternative risk financing options, each designed to address the unique liability issues faced by today's healthcare providers.
Gallagher understands your workforce is one of your most significant assets. We provide complete workers' compensation solutions that include the integration of loss control and safety programs. Gallagher recognizes that the variations of each client's operations and workforce drive the ultimate design of an effective workers' compensation program. Specific analysis performed by our professionals to ensure the best structure particular to each client may include:
- "First-Dollar" Coverage
- Dividend Programs
- Retrospective Rating Programs
- Deductible or Self-Insured Programs
- Non-Subscriber Programs
We excel at designing risk financing alternatives, such as workers' compensation pools and association programs that allow large groups to participate in risks and share benefits. Design and placement of workers' compensation insurance, however, is only part of the solution. Our aggressive claims advocacy and management on behalf of clients ensure that the stability of your program is protected at all times. Gallagher can design a creative solution for you and your organization.