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Professional Liability:
Healthcare and Architects & Engineers Appetite Guide


  • Primary, excess, and umbrella coverage for healthcare risks in the hospitals, senior care, and miscellaneous facilities segments

  • Professional Liability on a claims-made basis only

  • Minimum premiums start at $25,000 and vary by class of business

Architects & Engineers (A&E):

  • Primary and excess coverage for A&E professional liability

Broad flexible risk appetite to underwrite risks written on Excess & Surplus (E&S) paper.


Preferred Risks

Non-Preferred Risks

Hospitals and Healthcare Systems

Facility size ranges from small rural hospitals to large multi-location systems

Insureds located in specific high volatility venues

Miscellaneous Facilities

Home healthcare, imaging, emergency medical technician (EMT), labs, allied health, urgent care, medical rehab, and surgery centers

• Behavioral health, correctional health

• Genetic/IVF counseling/testing centers, birthing centers

Senior Care

High quality facilities based on centers for medicare and medicaid services (CMS) overall star rating

Assisted living facilities


• Architects, engineers, and contractors of all disciplines

• Firms ranging from small and medium enterprise (SME) space up to largest global firms

• Project specific professional liability

Residential exposure on project-specific policies

Client Risk Solutions:

• Risk tools for high-risk areas such as obstetrics (OB), emergency department (ED), perioperative, and behavioral health

• Customized client specific consultation and on-site services

• Access to a suite of online tools and documents

A&E Risk Management:

Relationship with law firm Donovan Hatem provides clients with access to risk management services, including contract reviews, risk management seminars, and pre-claims assistance services.



• Technical staff of over 40 members dedicated solely to healthcare-related claims; our professionals average more than 20 years of industry experience and include attorneys and clinicians

• Dedicated birth trauma, catastrophic injury, suicide, damage mitigation and elder care specialty counsels


• Experienced staff of over 12 examiners dedicated solely to A&E claims, majority are attorneys

As the leading U.S. - based surplus lines insurer, Lexington Insurance Company provides innovative property, casualty, financial lines, healthcare, personal lines, and specialty lines coverage to address large, complex, unique, and emerging risks faced by companies of every size. Based on over 50 years of experience and backed by the strength of AIG, Lexington continues to deliver innovative protection solutions that help our clients keep pace with technology in a rapidly changing world.

Learn more about Lexington Surplus Lines

Learn more about Lexington Healthcare