Victor O. Schinnerer & Company, Inc. offers a comprehensive Hospitals & Healthcare Organization Insurance program designed to meet the complex risk management needs of healthcare providers and facilities across the United States. As a leading Managing General Underwriter (MGU), Schinnerer brings deep expertise and access to top-tier carriers like Chubb and OneBeacon to help agents and brokers place difficult or specialized healthcare-related accounts.
Ideal Accounts and Appetite
This program is built to serve a wide range of healthcare and medical organizations, including but not limited to:
- Hospitals
- Assisted living facilities
- Nursing homes
- Clinics and health centers
- Physician groups and dental practices
- Psychiatric and rehabilitation facilities
- Laboratories
- Hospices and surgical centers
- Managed care organizations such as HMOs and PPOs
- Healthcare consultants
If you have clients operating in any of these areas, especially those with complex liability exposures or unique risk profiles, this program is an excellent fit. From multi-location hospital systems to standalone specialty clinics, Schinnerer is equipped to handle a broad spectrum of account sizes and structures.
Coverage Highlights and Advantages
The program offers both admitted and non-admitted coverage options in most available states, providing flexibility to meet your clients' needs. Coverage features include:
- Admitted coverage for Crime, Directors & Officers (D&O), Employment Practices Liability (EPL), Fiduciary, Kidnap & Ransom/Extortion, and Managed Care E&O
- Non-admitted coverage for Cyber Liability and Healthcare Consultants E&O
- Limits up to $25 million
- Proprietary, enhanced endorsements available to tailor coverage
- Superior claims handling and dedicated risk management services
Whether you're working with a fast-growing physician group concerned about cyber threats or a long-term care facility needing stronger EPL protections, this program offers the flexibility and depth required to present a robust insurance solution.
Underwriting Notes
Schinnerer underwrites each submission carefully, focusing on solid risk profiles and complete applications. While there is no publicly stated minimum premium, risks with strong risk management practices and clean claims history are most competitive. The program is well-suited for insureds seeking higher limits and specialized enhancements.
Territories and Availability
This program is available in nearly all U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
With broad geographic reach and access to both admitted and non-admitted markets, Schinnerer can help you place accounts in challenging regulatory environments or niche healthcare sectors.
Why Work With Victor O. Schinnerer & Company, Inc.?
As one of the most respected MGUs in the market, Victor O. Schinnerer & Company, Inc. brings decades of experience and a specialized focus on complex liability exposures. You benefit from:
- Access to top-rated carriers like Chubb and OneBeacon
- Responsive underwriting and tailored solutions
- Risk management support to help your clients reduce exposures
- Enhanced endorsements developed specifically for healthcare risks
Whether you're working with a mid-sized surgical center or a regional hospital group, Schinnerer's program offers the coverage strength and underwriting expertise you and your clients can depend on.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for hospitals, clinics, assisted living facilities, nursing homes, physician groups, and other healthcare-related organizations with complex liability needs.
What coverages are available through this program?
Available coverages include admitted Crime, D&O, EPL, Fiduciary, Kidnap/Extortion, Managed Care E&O, and non-admitted Cyber Liability and Healthcare Consultants E&O.
Which carriers back this program?
The program is backed by established carriers such as Chubb and OneBeacon, offering financial strength and credibility.
Is the program available in my state?
The program is available in most U.S. states. Please refer to the availability list or contact the underwriter for specific state eligibility.
What are the underwriting requirements?
Accounts with strong risk management practices, clean loss history, and complete application submissions are preferred. Each submission is reviewed individually.
Need help placing an account? Connect with a market specialist.