Victor O. Schinnerer & Company, Inc. offers a comprehensive Hospitals & Healthcare Organization Insurance program built to address the complex liability and professional-risk needs of healthcare providers and facilities across the United States. As an experienced Managing General Underwriter (MGU), Schinnerer combines deep healthcare underwriting expertise with access to top-tier carriers such as Chubb and OneBeacon to help agents and brokers place difficult or specialized healthcare-related accounts.
Ideal Accounts and Appetite
This program is designed for a broad range of healthcare and medical organizations, including:
- 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
The program fits a wide range of account sizes — from multi-location hospital systems to single-location specialty clinics. It is particularly useful when clients have complex liability exposures, layered operations, or non-standard risk profiles that make placement difficult in standard markets.
Example fits: you might have a multi-site surgical center seeking higher limits and tailored D&O and EPL protection, or a regional nursing-home operator that needs bundled admitted crime and fiduciary coverage alongside managed-care E&O.
Coverage Highlights and Advantages
Schinnerer offers admitted and non-admitted placement options in most states to give you flexibility when structuring programs for your clients. Key features include:
- Admitted coverage for Crime, Directors & Officers (D&O), Employment Practices Liability (EPL), Fiduciary, Kidnap & Ransom/Extortion, and Managed Care Errors & Omissions (E&O)
- Non-admitted coverage for Cyber Liability and Healthcare Consultants E&O
- Limits available up to $25 million
- Proprietary, enhanced endorsements to tailor coverage to unique exposures
- Experienced claims handling and dedicated risk management support
These features allow you to present robust, marketable solutions for clients worried about professional liability, regulatory exposures, cyber risk, employee-related claims, or large-limit needs.
Underwriting Notes
Schinnerer underwrites submissions with attention to complete information and strong risk controls. Accounts with documented risk-management programs, favorable claims histories, and complete applications are most competitive. There is no publicly stated minimum premium; however, the program generally targets accounts where higher limits and specialty endorsements are warranted.
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 access to both admitted and non-admitted markets, Schinnerer can help place accounts in challenging regulatory environments or niche healthcare sectors.
Why Work With Victor O. Schinnerer & Company, Inc.?
Schinnerer is one of the market’s most established MGUs for healthcare liability. Working with them gives you:
- Access to top-rated carriers like Chubb and OneBeacon
- Responsive underwriting that tailors solutions to complex operations
- Risk management resources to help insureds reduce exposures
- Enhanced endorsements developed specifically for healthcare risks
Whether you’re placing a mid-sized surgical center or a regional hospital group, Schinnerer’s program provides underwriting depth and market access to help you get difficult placements done.
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 that have complex liability exposures or need specialty endorsements and higher limits.
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, providing financial strength and market credibility.
Is the program available in my state?
The program is available in most U.S. states. Review the availability list above or contact the underwriter for confirmation on a specific state.
What are the underwriting requirements?
Underwriting favors accounts with documented risk management, complete applications, and clean loss histories. Each submission is evaluated on its individual merits.
Need help placing an account? Connect with a market specialist.