MPL for Hospitals

Hospitals/Health Systems | Critical Access Hospitals | Rural Emergency Hospitals

For hospitals, safeguarding patients and supporting staff starts with having the right protections in place. THIE has provided Healthcare Facility Professional Liability (HPL) coverage to hospitals since 1975, delivering trusted, comprehensive insurance solutions that address healthcare environments’ complexities and unique challenges. Our HPL coverage is designed to help hospitals minimize risk and promote a secure, high-quality care experience. With decades of healthcare risk management experience, THIE is a reliable partner for hospitals committed to patient safety and operational excellence.

• Healthcare Facility Professional Liability (HPL) limits up to $1 million/$3 million
• General Liability coverage limits up to $1 million/$3 million

• Coverage issued on a claims-made basis

• Defense costs in addition to limits

• Various Deductible options

• Coverage option for prior acts available

• Named Insured consent to settle

• Automatic coverage for hospital employees

• Coverage available for medical directors

• Disciplinary proceedings legal expense $10k policy aggregate

• Emergency evacuation expense $25k policy aggregate

• Media expenses for an adverse event $25k policy aggregate

• Interest-Free Payment Plans

• Commercial Auto
• Workers’ Compensation (available only in Texas)
• Employee Benefits Liability
• Excess/Umbrella limits up to $10 million

$9 Million +

Subscriber surplus refunds have been distributed back to THIE subscribers since 2011.

1975

Founded in 1975 to provide professional liability coverage to hospitals in Texas

17,314

The number of employees THIE insures annually through workers’ compensation coverage.

65%

Reduction in workers’ compensation claims by one Texas hospital that implemented THIE’s Risk Management Services.