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Healthcare Excess Liability Insurance

AXA XL Insurance 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 program
  • 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

AXA 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

AXA 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


The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy forms for specific coverage details. AXA XL is a division of AXA Group providing products and services through four business groups: AXA XL Insurance, AXA XL Reinsurance, AXA XL Art & Lifestyle and AXA XL Risk Consulting. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

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