Industries

Healthcare Insurance

The healthcare industry operates under intense pressure, balancing innovation, regulation, and public expectation simultaneously. From global hospital networks to biotech start-ups, today’s healthcare organisations face increasingly complex risks across clinical, operational, and reputational lines.

At Price Forbes, we deliver specialist insurance and reinsurance programmes that support the unique needs of healthcare providers and life sciences clients around the world. Whether you’re navigating multi-jurisdictional exposures, structuring clinical trial cover, or expanding internationally, our team has the expertise and access to get it done.

Who we work with

We support a broad range of healthcare clients, directly and via broker partnerships:

  • Public and private hospitals
  • Hospital groups and healthcare networks
  • Diagnostic and treatment clinics
  • Dental and cosmetic surgery practices
  • Long-term care and ageing services providers
  • Allied health professionals and associations
  • Medical malpractice programme sponsors
  • Clinical trial sponsors, CROs and product manufacturers
  • U.S. companies with international exposures and vice versa

Risk solutions for the Healthcare industry

We design and place comprehensive programmes across the healthcare risk spectrum, including:

Programmes are available on a primary, excess or facultative basis, using both open market and in-house binding authority options.

Key contacts

David Lawrence
David Lawrence
Chief Executive Officer, Global Casualty, Healthcare, A&H & Programmes
Adam
Adam
Deputy Managing Director, FI/D&O
Spotlight Coverage

Clinical Trials

Clinical trials are a critical component of healthcare innovation, but the regulatory complexity and jurisdictional variation demand precision. We offer global coverage for single and multi-centre trials, supported by in-house binding authority and compliant policy wordings in key territories.

  • Full trial lifecycle coverage, from first-in-human to post-market surveillance
  • High-limit, low-deductible options
  • Ultra-fast quoting and policy issuance
  • Support for biotech, pharma, CROs and medical device companies

Why Price Forbes for healthcare risks?

We’re not just brokers, we’re strategic partners in risk. Our Healthcare team operates globally, with a deep understanding of regional market nuances and regulatory frameworks.

  • Full access to London, European, and Bermuda markets
  • Custom manuscript policy wording capability
  • Actuarial and analytical support for programme modelling
  • Dedicated clinical trial expertise with fast turnaround
  • Strong relationships with global reinsurers and medical underwriters
  • On-site claims advocacy and regulatory defence coordination

Whether you’re placing a one-off trial or restructuring a global malpractice tower, we combine speed, accuracy and experience.

Healthcare Insurance

Frequently Asked Questions

Hospital systems typically require a combination of hospital professional liability and physician professional liability. We tailor these programmes to your operating model, whether you're a single facility or part of a wider healthcare network, ensuring you're protected against medical malpractice, administrative oversight, and specialist service risks.

In most cases, no. Clinical research often falls outside standard medical malpractice policies. That’s why we develop standalone Clinical Trials Liability coverage, jurisdictionally compliant, backed by our in-house wordings, and designed to keep both sponsors and participants protected.

You need speed, certainty, and compliance across multiple regions. We offer flexible, global trial coverage that scales from single-site to multinational studies. With localised policy wordings, in-house binding authorities, and deep market access, we ensure you stay on track without regulatory bottlenecks.

Liability depends on contract structure and policy wording, and assumptions can be costly. We review all indemnity clauses and insurance language to clarify who is responsible, then build coverage to match. If there’s a gap, we close it before it becomes a problem.

Cross-border exposures are complex, especially where local laws conflict with multinational contract structures. We wrap global cover around site-specific protections, ensuring your sponsors, CROs, and investigators are all protected, without leaving compliance to chance.

Yes. Clinical trials generate highly sensitive health and regulatory data, a prime target for cyber threats. We integrate cyber and breach response coverage into your programme, safeguarding trial data, consent documentation, and participant confidentiality.

Absolutely. Our programmes can be extended to capture all ancillary services from compounding pharmacies and diagnostics labs to on-site therapy centres. 

It depends on your trial phase, protocol, and geography, but typically cover extends from participant enrolment through to post-trial monitoring. We offer single-trial, multi-year, or rolling programmes that align with your development roadmap.

Hospital premiums are based on bed count, specialty mix, claims history, and jurisdiction. Clinical trials are priced on study design, intervention type, participant volume, and geography. We analyse both to optimise your structure, balancing cost and protection without compromise.

Let's Talk

Our healthcare insurance experts are always on hand to talk about ways we can join forces to take on the future.