Comprehensive Healthcare Insurance Solutions from Citadel Insurance Services
Citadel Insurance Services, a trusted wholesale broker, offers an expansive Healthcare Insurance program under the HealthPAC brand—designed to meet the complex needs of healthcare providers of all sizes. Whether you're looking to place a small assisted living facility or a large regional hospital, Citadel’s program delivers competitive pricing and broad coverage options tailored to healthcare risks.
Ideal Accounts and Target Classes
Our appetite for healthcare risks is wide-ranging, making this program a great fit for agents and brokers seeking flexible solutions for their clients. Target classes include, but are not limited to:
- Long-term care facilities
- Skilled nursing homes
- Adult day care centers
- Assisted living communities
- Independent living facilities
- Hospice care providers
If you have a client operating a multi-site adult care network or a standalone hospice in a rural area, Citadel’s program is well-equipped to handle these risks with tailored coverage and underwriting expertise.
Coverage Highlights and Advantages
Citadel’s Healthcare Insurance program offers a broad suite of coverages that address the unique exposures faced by healthcare providers. Policy features may include:
- Professional liability
- Medical practitioner liability
- Sexual misconduct and physical abuse liability
- Contractual liability
- General liability
- Employee benefits liability
- Tenants’ liability
- Non-owned and hired auto liability
- Commercial property and business interruption
- Computer virus and hacking attack liability
- Loss mitigation costs
- Medical expenses coverage
- Court attendance costs
- Brand protection coverage
- Indemnity to mortgagees, landlords, or lessors of leased equipment
Underwriting Guidelines and Premium Details
The program offers flexible limits and deductibles to match the unique risk profile of each client:
- Limits of liability available from $1,000,000 to $5,000,000 per claim, depending on class
- Deductibles starting as low as $100, subject to underwriting
- Minimum premiums begin at $1,500, class-dependent
With this level of flexibility, you can confidently approach accounts ranging from small clinics to larger healthcare systems.
Territories and Market Access
Citadel’s Healthcare Insurance program is available in all 50 states plus Washington, DC. We offer access to both admitted and non-admitted markets, ensuring the right fit for your client’s regulatory environment and risk appetite.
Why Partner with Citadel Insurance Services?
As a wholesale broker with deep experience in the healthcare sector, Citadel Insurance Services brings underwriting insight and market access that help agents and brokers succeed. Our aggressive pricing, comprehensive coverage options, and ability to handle a wide variety of healthcare accounts make us a valuable partner in this complex space.
From helping you navigate unique liability exposures to offering tailored coverage enhancements, Citadel is committed to supporting your success in placing healthcare-related risks.