Comprehensive Healthcare Insurance Solutions from Citadel Insurance Services
Citadel Insurance Services is a wholesale broker offering the HealthPAC healthcare insurance program built to meet the complex needs of healthcare providers. Whether you are placing a small assisted living facility or a large regional hospital system, Citadel provides competitive placement options, flexible limits, and underwriting tailored to healthcare exposures.
Ideal Accounts and Target Classes
This program has a broad appetite for long-term care and healthcare facility risks. It is a practical option for agents and brokers seeking market access for a wide range of accounts, including:
- Long-term care facilities
- Skilled nursing homes
- Adult day care centers
- Assisted living communities
- Independent living facilities
- Hospice care providers
The program can handle both single-site operations and multi-site adult care networks, and is positioned to underwrite rural standalone hospices as well as urban long-term care campuses.
Coverage Highlights and Advantages
HealthPAC is designed to address exposures common to healthcare providers and long-term care operators. Key coverages and features often available include:
- Professional liability and medical practitioner liability
- Sexual misconduct and physical abuse liability
- Contractual liability and tenants' liability
- General liability and employee benefits liability
- Non-owned and hired auto liability
- Commercial property and business interruption
- Cyber-related liability for computer virus and hacking events
- Loss mitigation costs and medical expenses coverage
- Court attendance costs and brand protection coverage
- Indemnity to mortgagees, landlords, or lessors of leased equipment
Underwriting Guidelines and Premium Details
Citadel offers flexible limits and deductible options to fit each risk profile:
- Limits of liability commonly available from $1,000,000 to $5,000,000 per claim, depending on class
- Deductibles that can start as low as $100, subject to underwriting terms
- Minimum premiums are class-dependent and may vary by submission
Underwriters evaluate claims history, staffing levels, regulatory compliance, and risk management practices when quoting. Accounts with strong clinical protocols and documented loss controls typically receive better terms.
Territories and Market Access
The program is available nationwide, including all 50 states and Washington, DC, through admitted and non-admitted market options. This breadth of access helps you place business in varied regulatory environments and match market form requirements to client needs.
Why Partner with Citadel Insurance Services?
As a wholesale broker with deep experience in the healthcare sector, Citadel combines specialized underwriting relationships with hands-on placement support. Agents and brokers benefit from:
- Access to multiple admitted and non-admitted markets
- Underwriting that understands healthcare operations and exposures
- Flexible limit and deductible structures to fit account size and risk tolerances
- Guidance on risk controls that can improve insurability and terms
Example placements: you might have a client that operates a three-site assisted living group seeking consolidated limits and abuse coverage, or a rural hospice needing a package that includes property and professional liability. Citadel’s HealthPAC program is positioned to review and quote both types of accounts.
From placement strategy to market access, Citadel Insurance Services aims to be a practical partner for agents and brokers handling healthcare-related risks.