Healthcare

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Specialty Healthcare Liability Coverage for Evolving Risks

Our healthcare specialists understand the unique challenges facing aging services, allied health, and physician groups. With a focus on industry trends and emerging exposures, we provide responsive, customized liability coverage designed to support the evolving needs of brokers and their clients.

Explore Tailored E&S Insurance Solutions

Aging Services

Cardinal E&S is a market leader in aging services, providing deep expertise and specialized capabilities, backed by financial strength and a reputation for longevity in this rapidly changing market segment.

Cornerstone Industries

  • Adult Day Care Centers
  • Assisted Living Facilities (ALFs)
  • Home- and Community-Based Services
  • Independent Living Communities
  • Life Plan Communities
  • Memory Care Facilities
  • Skilled Nursing Facilities (SNFs)
  • Subacute Care Facilities

Our Coverages

  • Primary Professional Liability/General Liability, Employee Benefits Liability
  • Professional and general liability coverage available on a combined primary policy with separate limits of insurance
  • Excess Liability and Umbrella Liability claims-made coverage
  • Commercial Automobile coverage underwritten by a CNA admitted company
  • Incident sensitive reporting
  • Violation of resident rights included
  • Facility professional services coverages
  • Broad definition of Professional Services and Administrative Services
  • Insurer duty to defend
  • Insurer payments as set forth in the policy
  • Blanket additional insured endorsement for general liability coverage
  • Medical directors are covered while performing professional services in an attending physician’s absence in an emergency
  • Beauticians and barbers are covered while working at the insured location for the named insured

Allied Healthcare Facilities

Cardinal E&S provides a broad range of products for allied healthcare organizations of all sizes. Our appetite for allied healthcare facilities risks spans numerous types of outpatient entities.

Cornerstone Industries

  • Ambulatory Surgery Centers
  • Community Health Centers
  • Convenient Care Centers
  • Dialysis Centers
  • Home Health Services
  • Imaging Centers
  • Medical Laboratories
  • Pharmacies
  • Rehabilitation Services
  • Urgent Care Centers
     

Our Coverages

  • Professional Liability, General Liability, Employee Benefits Liability
  • Excess Liability and Umbrella Liability
  • Professional Liability and General Liability (with separate towers)
  • Available Enhancements: Emergency Evacuation, Media Expenses, HIPAA Expenses, Disciplinary Proceedings
  • Primary Professional Liability Coverage available for employed or contracted physicians
     

Captives and Alternative Risks

Cardinal E&S' Captives and Alternative Risks team is complimented by support professionals who average 20+ years of service and have experience as attorneys, healthcare providers and administrators.

Cornerstone Industries

  • Aging Services Organizations
  • Allied Healthcare Facilities
  • Hospitals and Health Systems
  • Large Dental Groups
  • Life Sciences Organizations
  • Physician Clinics and Group Practices

Our Coverages

  • Matching deductible programs which include a deductible equal to the policy’s per claim limit of liability
  • Reinsurance programs where the policy is fully reinsured by an acceptable insurance company, typically through a captive insurance company
  • Coverage primary to state patient compensation funds (PCF), where applicable
  • Claims management administered by CNA, where applicable
     

Physicians

Cardinal E&S has a broad appetite for a range of specialty classes of medical doctors (MDs) and doctors of osteopathic medicine (DOs) practicing in solo to large group settings seeking primary coverage.

Cornerstone Industries

  • Primary traditional physicians and surgeons
  • Large and complex groups, including management service organizations (MSOs) and accountable care organizations (ACOs)
  • Telemedicine practices, including direct physician-to-patient models
  • Urgent care and other facilities seeking individual coverage for employed physicians
  • Concierge practices
     

Our Coverages

  • Limit structures range from individual to single shared limits with multiple variations for entity and non-physician employed providers for qualified and eligible insureds
  • Retention options and 100% fronted solutions
  • Physicians Alternative Solutions for hard-to-place risks, and carve-outs for new procedures or practice settings underserved by the traditional physician market
  • Product segmentation designed to meet needs of the evolving physician practice
  • Large and complex risks underwritten based upon the needs of the insured on either a traditional form or the corporate practice form
     

Going Beyond

for Your Needs

Medical colleagues

We’re Here For You

Our world-class talent is uniquely positioned to deliver holistic solutions. 

Brokers, please reach out and let us know how our dedicated teams can help you. 

Key Contact:
Healthcare

Jessica Landau

VP, Healthcare Wholesale

(610) 964-5811

Cardinal E&S Delivers

Fast, Reliable Underwriting Responses When Timing Matters Most

Quick quotes and timely communication are top priorities. Our streamlined process, underwriting efficiency, and decentralized decision-making enable fast, thoughtful responses for wholesale brokers.

Custom Coverage for Complex, Hard-to-Place Risks

Our underwriting expertise and meaningful capacity allow us to craft tailored insurance solutions that meet the unique needs of your clients.

Proactive Risk Control and Expert Claims Handling

Our industry-leading risk control team helps identify and manage exposures, while experienced claims professionals ensure efficient, effective claim resolution.

Backed by Strength, Built on Trust

Our products and services are backed by CNA—bringing over 125 years of experience, financial strength, and a legacy of reliability.

Financial Strength

Colleagues working at table on laptop
Results

$14.3B

Total Revenue*

$47.5B

Invested Assets*

$11.2B

Statutory Surplus*

*CNA 2024 Financial Highlights

Financial Strength

CNA Financial Corporation

CNA

A (Positive)
A.M. Best
A2 (Positive)
Moody's
A+ (Stable)
S&P
A+ (Stable)
Fitch Rating