EXCESS is the name of the Game

Stand-Alone & GL - HPSI's Access to Hartford

Excess Limits for Medical Professionals

We have a Market for unsupported medical professional excess!

Excess coverage can be placed for your practitioners who simply want to purchase higher limits or for those contractually required to carry a higher limit than their current Carrier will provide. Aside from the professional alone, excess for their entities & corporations will also be considered!

Coverage can be bound for as low as $2,500!

What’s the Target?

✔Solo, Non-standard physicians and surgeons or other medical practitioners with:

Gaps in coverage, Poor Claims history, Board or Licensing issues, or Substance abuse issues

✔ Providers sharing in the same underlying limits

What are the Submission Requirements?

  • Application & CV
  • Loss Runs, Dec page copy (if excess is carried)
  • Underlying Carrier’s Quote

Have a client who can benefit? Contact your HPSI Producer today. Give us a call at 678-935-5040.

HPSI Trend Alert!

Excess for Medical Facilities

Excess Limits for Medical Facilities.

At HPSI we have had some success in Excess Policies with our Carriers. With this rise in Policies our Carriers have become very competitive in their pricing!  

Need to know more? Interesting in writing this business? Pick up the phone or shoot us an e-mail! Contact one of our trusted Producers at HPSI Today!

E&O Coverage for Consultants

E&O for Consultants

More and more companies have been requiring consultants who work as independent contractors to carry their own liability insurance when working on a project with them.

We ask : How Real is the Risk?


Your client’s risk isn’t based on the likelihood of them losing a lawsuit but rather that of a suit being brought against them.  This coverage protects the Named Insured in the event their client claims they suffered a financial loss or interruption of services, or that the insured failed in their “duty of care.”

What falls under this type of coverage?? – Verification mistakes, ill advisement, documentation errors or data entry errors, failing to protect a clients’ property or data, breach of contract, misuse of data, violation of legal or state laws, etc.

Simply having a GL Policy or Professional Liability
Policy will not always cover these types of losses in consulting work.

The risks are largely dependent on specialty & business sector. For some professionals it’s easy to look at these examples and downplay the risk. However, even if the claim is meritless, coverage in place will ensure your client incurs no out of pocket costs in defending their business. Simply having E&O tells their clients that your Insured is dedicated, responsible, and assures them that they are financially protected if the Insured’s business causes them a loss.

HPSI has access to Carriers that can provide coverage for Bodily Injury (BI) or any financial loss related liability.

Premium for this Coverage begin at $950

What can be covered?

Medical Directors, Locum Tenens,
Lawyers, Architects
Real Estate, Management
Consultants, IT Technology Consulting
& More!

Simple Submission Requirements:

E&O Application,
Narrative on the Consulting Duties or CV
Copy of Contract (if available)

New Facilities Market

New Facilities Market

We have just been appointed by a new market for General Liability and Property Package policies with an A+15 Carrier! Written on non-admitted paper, the facility is tailor-made for Doctors’, Dentists’ and other Medical Offices. It has an added bonus of being competitive on other classes of “main street” risks in the small business segment.


  • AM Best’s rated A+15 carrier.
  • Over 300 eligible classifications.
  • Coverage includes a Property Enhancement form.
  • Up to $3 Million TIV capacity.
  • Coverage available on a Wind & X-Wind Basis.
  • Property coverage is available within 2 miles of the coast.
  • Low minimum premiums.
  • Coverage is on a non-admitted basis.
  • GL Limits of $1M/$2M/$2M.
Examples of other risks that are eligible for this product:
  • Lessor’s Risk only exposures – Offices
  • Warehouses
  • Apartments – Maximum 24 units & Condominium Associations
  • Supermarkets & Retail Stores – Including food & drink
  • Churches
  • Laundromats
  • Liquor Stores
  • Distributors – Light Hazard Products
48 hour turnaround time on most submissions. States eligible for this product are: CA, AL, FL, GA, LA, MS, CT, CO, TX, NC, SC, VA, MD, NJ, NY, PA, NV, OR, OK, & WA.
Pick up the phone or shoot us an e-mail! Contact John Malejko at HPSI Today. What can we help you write?