Health Care

Health Care – Veterinary Medicine

Kinsale’s Health Care Division offers specialized coverage for Veterinary Medicine professionals and practices. Our products include Professional Liability, General Liability, and Bailee’s coverage. Products are available monoline or combined, allowing you to build custom protection for animal care professionals who face risks ranging from malpractice and regulatory concerns to unpredictable animal behavior and day-to-day third-party exposures.

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Policy Structure:

• Professional Liability coverage
• Claims-Made & Reported coverage form
• Consent to settle with hammer clause
• Per claim deductible that applies to both indemnity & expense
• Broadened coverage & preferred pricing available for select risks with favorable claims history, low acuity specialty, & other merits
• Typical primary limits of $1M/$3M
• Up to $5M in excess available through Kinsale’s Excess Professional Division
• Group policies with multiple providers receiving individual limits of liability are available
• 12-, 24-, & 36-month tail options available

Available Coverage Enhancements:

• Cyber Liability coverage
• Defense Outside the Limit
• Damages-only deductible
• Incident coverage trigger
• Limited DD&R provision
• Supplementary payments

Submission Requirements:

• Application (signed & dated) with appropriate supplemental application
• Five-year currently valued loss runs
• Copy of curriculum vitae & declarations page

• What coverages does Kinsale's Health Care Division offer?

  Our Health Care Division offers Medical Professional Liability for medical practitioners that are ineligible for the standard marketplace. Our target classes include non-standard physicians and surgeons (all specialties), dentists, chiropractors, podiatrists, mid-level providers, group practitioners, and stand-alone medical directors.

  Coverages are available with a wide range of endorsements and optional enhancements, and our typical primary limits are $1M/$3M with up to $5M in excess available through our Excess Professional Division.

  We also offer Locum Tenens and Contract Staffing Professional Liability for medical staffing services placing temporary contracted providers across all specialties.

  Lastly, we provide Professional Liability, General Liability, and Bailee’s coverage for Veterinary Medicine professionals and practices.

• The Allied Health and Health Care Divisions have similar target classes. How do I know where to send my submission?

  While both cover professional negligence, Health Care specializes in individual medical providers and provider-owned entities.

  Allied Health focuses on non-physician healthcare professional groups and organizations—such as therapists, home health providers, social services, and clinics—but can also write physician coverage when the risk is primarily entity-driven rather than physician-driven.

  When there is overlap or uncertainty, our divisions work together to determine the best fit. If you’re not sure where to send your submission, send it to the Health Care team at hc@kinsaleins.com and we will route it appropriately.

• What coverage does Kinsale offer for Locum Tenens and contract medical staffing?

  Kinsale offers dedicated Professional Liability coverage for Locum Tenens and medical staffing services that place temporary contracted providers across all specialties.

  Target accounts generate premiums under $100K and typical primary limits are $1M/$3M.

  Note: Kinsale cannot write PCF participants in Kansas, Nebraska, Wisconsin, or New Mexico for this product.

• For providers in states with Patient Compensation Funds (PCFs), do you handle the filings?

  Kinsale handles PCF filings exclusively for Pennsylvania’s Medical Care Availability and Reduction of Error (MCARE) Fund. We do not handle filings for any other state’s Patient Compensation Fund.

  If your account is in a PCF state other than Pennsylvania such as Indiana, Kansas, Louisiana, Nebraska, New Mexico, South Carolina, Wisconsin, or Wyoming, the insured or their representative is responsible for managing that state’s PCF filing separately.

  If PCF requirements affect your submission, contact your underwriter before binding so we can help you navigate the details.

• Can you quote General Liability only for a medical provider?

  No. The Health Care Division does not offer standalone General Liability for medical providers. General Liability is available only as an endorsement to our Professional Liability coverage.

  If your account requires standalone General Liability, Kinsale’s Allied Health Division may be able to assist. You can submit your account to ah@kinsaleins.com.

• Do you offer Abuse and Molestation coverage as an endorsement?

  Yes. Kinsale’s Health Care Division can provide an Abuse and Molestation endorsement on a case-by-case basis. This coverage addresses claims arising from actual or alleged acts of abuse or molestation by a covered provider, exposures that are typically excluded under a standard professional liability policy.

  Maximum limits available through Kinsale are $100,000 per occurrence / $300,000 aggregate. Underwriting will evaluate the nature of the practice, patient population, and prior history when determining eligibility and pricing.

  If your account requires higher Abuse and Molestation limits, contact our team to discuss whether another Kinsale division can accommodate the exposure.

• My initial quote isn't quite where it needs to be. How can I request a revised quote?

  At Kinsale, the first quote is just the start. Our goal is to make sure your accounts get the coverages they need, and because our underwriters are experienced, creative thinkers, we tend to get it right quickly. But if you ever need to negotiate terms and price, let us know. We’ll work with you.

• I’d like to get a direct appointment to write business with Kinsale. How do I do that?

  If you are a wholesale broker with a surplus license interested in an appointment, the process is simple! The first step is to complete our online Producer Questionnaire.  Once you’ve completed the form and attached the necessary documents, you will be able to provide an e-signature, click “Continue,” and the form will be sent to us automatically.

  Be sure to have the following information available to either upload online or email as an attachment: your entity/individual producer license(s) for all states, a copy of your latest financial statement, a Fidelity Declarations plan, and an E&O Declarations page.

  If you are a retail agent, hold a surplus license, and specialize in Health Care Professional Liability, our business development manager can review an appointment with you. You can use the link above to complete the questionnaire and someone from our business development team will be in touch!

• There is a lot of information on the website! Is there a point of contact I can reach to further discuss my Health Care accounts?

  Yes! For general questions about our products, coverages, or target classes, contact:

  Carsten de Wolff
  Division Manager, Health Care
  (804) 289-1262
  carsten.dewolff@kinsaleins.com

  If you’re already appointed with Kinsale and would like to request a quote, you can email your submission to hc@kinsaleins.com and one of our underwriters will be in touch.