BHSI – Specialty Carrier Supporting Healthcare Systems, Senior-Care Facilities, and Specialty Programs

Supporting Senior-Care Ecosystems Through Healthcare Professional, General, and Specialty Program Liability

Berkshire Hathaway Specialty Insurance (BHSI) is part of the Berkshire Hathaway insurance group and provides commercial property, casualty, healthcare professional liability, executive and professional lines, and specialty products worldwide. It is known for large-limit capacity, long-term underwriting relationships, and significant healthcare and casualty expertise, including specialty program claims leadership. Through its healthcare professional liability and specialty programs, BHSI supports hospitals, healthcare systems, senior-care operators, and niche program structures.

Who Is BHSI in Healthcare and Senior-Care Risk?

BHSI offers healthcare professional liability coverage—often on a claims-made basis—for hospitals, large physician groups, and healthcare systems, with the ability to provide high excess limits and tailor terms for complex risks. Its executive and professional lines complement healthcare programs with D&O and other management-liability products. BHSI also supports specialty programs and captives via underwriting and claims leadership for niche casualty and healthcare classes, including long-term-care and senior-care segments managed by program partners.

Leadership roles such as Head of Global Claims, SVP Healthcare & Casualty Claims, and Head of Specialty Programs Claims illustrate BHSI’s structured approach to managing complex healthcare and senior-care claims portfolios across geographies.

Why Senior-Care Ecosystems Need BHSI

Senior-care ecosystems rely on BHSI when:

• Large healthcare and senior-care systems require substantial capacity and customized healthcare professional liability and general liability programs.
• Captives, risk-retention groups, and specialty programs focused on long-term-care or senior living need a financially strong paper and claims partner.
• Boards and executives at senior-care organizations seek integrated solutions spanning clinical, casualty, and executive-liability risks.

Standardized incident and claims data—covering clinical events, resident injuries, abuse/neglect allegations, systemic infection outbreaks, catastrophic losses, and governance disputes—allow BHSI to evaluate risk across healthcare and senior-care portfolios and specialty programs. When cedents, captives, and insureds share de-identified, structured data with BHSI’s underwriting and claims teams, the carrier can more accurately price layers, set attachment points, and guide risk-management efforts in senior-care contexts.

Case Study

A multi-state senior-care and post-acute system participates in a specialty program that uses BHSI as the primary and excess carrier for healthcare professional and general liability coverage. The program covers skilled-nursing facilities, assisted-living communities, and rehab centers serving older adults. BHSI’s healthcare and specialty-programs claims leadership requests incident-level data beyond traditional claim summaries to track emerging trends.

Program participants implement Caring Data to document falls, medication errors, infections, abuse/neglect allegations, elopements, rehospitalizations linked to facility care, and sentinel events, tagging each incident with standardized types, severity levels, contributing factors, and facility characteristics. De-identified program-wide data is shared with BHSI’s claims and underwriting teams.

BHSI uses the structured dataset to detect patterns—such as rising severity in pressure-injury claims at certain facilities or increased infection-related incidents in specific regions—and collaborates with the program administrator and insureds to implement targeted risk-management initiatives. These may include enhanced skin-care protocols, infection-prevention campaigns, staffing changes, and documentation improvements. BHSI also works with the program to refine layer structures, retentions, and aggregate limits to match the risk profile revealed by the data.

Testimonials

“Our BHSI specialty-programs claims contacts told us the Caring Data reports helped them see patterns that traditional claim summaries simply didn’t show across our senior-care facilities.”

“With standardized incident and claims data, we’ve been able to collaborate with BHSI to adjust our program structure and safety initiatives to better address long-term-care risk drivers.”

Key Contact

Berkshire Hathaway Specialty Insurance (BHSI)

Role: specialty carrier providing healthcare professional liability, casualty, and specialty program solutions, including for senior-care systems and long-term-care programs.

Website:
https://www.bhspecialty.com

Primary address (listing): 181 Bay Street, Suite 2500, Toronto, ON M5J 2T3 (U.S. operations commonly use Boston office)

Phones (listing): 617-936-2900 / +1-617-936-2906 (claims)

Emails (listing): david.crowe@bhspecialty.com – Head of Global Claims; courtney.koch@bhspecialty.com – SVP, Healthcare & Casualty Claims; rob.romeo@bhspecialty.com – Head of Claims, North America; george.marr@bhspecialty.com – Head of Specialty Programs Claims

Contacts (listing): David Crowe; Courtney Koch; Rob Romeo; George Marr

Final Thoughts

Senior-care ecosystems benefit when global specialty carriers like BHSI provide large-limit, tailored healthcare and casualty solutions and bring strong claims leadership to senior-care and long-term-care portfolios. Caring Data strengthens these partnerships by delivering structured incident and claims information that supports nuanced pricing, program design, and risk-management across senior-care systems and specialty programs.