Overview of the Program From Smith Bell & Thompson, Inc.
Smith Bell & Thompson, Inc. provides a niche Community Hospitals insurance program designed to help agents and brokers place coverage for smaller hospitals operating in today’s complex healthcare environment. With underwriting support and access to AIG as the carrier, this program offers tailored solutions for the unique risks associated with community hospitals.
Ideal Accounts and Appetite
The ideal candidates for this program are general medical and surgical community hospitals with a licensed bed count of 100 or fewer. Both for-profit and non-profit organizations are eligible. The program is best suited for hospitals that provide direct patient care and have standard risk profiles for their size and scope.
You might have a client who runs a 75-bed non-profit hospital in a rural area or a small for-profit surgical center serving a suburban community—both could be a strong fit for this offering.
Coverage Highlights and Advantages
- Professional Liability – Claims-made, non-admitted coverage tailored for medical practice risk exposures.
- General Liability – Claims-made, non-admitted, addressing premises and operational liability.
- Workers’ Compensation – Offered on an admitted basis to meet statutory requirements.
By combining key coverage lines into one program structure, Smith Bell & Thompson, Inc. simplifies placement and supports comprehensive protection for your healthcare clients.
Underwriting Notes and Minimum Premiums
A minimum premium of $25,000 applies, making this program most appropriate for hospital accounts with moderate to significant exposures. Underwriters will evaluate each submission based on services provided, claims history, and overall operational risk. Submissions should include complete details to ensure accurate and timely quoting.
Territories and Availability
This program is currently available in the following states: Colorado, Illinois, Indiana, Iowa, Louisiana, Michigan, and Missouri. Agents operating in these regions can access specialized underwriting and competitive coverage solutions through Smith Bell & Thompson, Inc.
Why Work With Smith Bell & Thompson, Inc.?
Smith Bell & Thompson, Inc. brings strong market relationships and a focused approach to healthcare facilities insurance. With direct access to AIG and a commitment to responsive service, they help agents secure quality coverage for complex hospital risks. Their experience in the healthcare niche ensures that submissions are reviewed with insight and efficiency.
Frequently Asked Questions
What types of accounts are a good fit for this program?
General medical and surgical community hospitals with 100 beds or fewer, including both for-profit and non-profit facilities, are ideal candidates.
What coverages are included in the Community Hospitals program?
The program includes professional and general liability on a claims-made, non-admitted basis, and workers’ compensation on an admitted basis.
Is there a minimum premium requirement?
Yes, the minimum premium for this program is $25,000.
Which states is this program available in?
The program is available in Colorado, Illinois, Indiana, Iowa, Louisiana, Michigan, and Missouri.
Who is the carrier for this program?
AIG is the carrier backing the Community Hospitals program offered through Smith Bell & Thompson, Inc.
Need help placing an account? Connect with a market specialist.