Hospital administrator and doctors talking

Regulatory liability errors and omissions

Protection for regulatory actions

Healthcare organizations, from non-profit hospitals and private physician groups to long-term care facilities, face more risk than ever before as their billing practices come under increased scrutiny.

Federal and state governments are dedicating significant resources to recover monies paid under Medicare and Medicaid reimbursement programs while commercial payors are also auditing healthcare providers for improper billing practices. Even if claims are unfounded, responding to and resolving regulatory actions can be costly and time consuming.

Having the right insurance coverage can help manage these exposures and associated costs. Our regulatory liability errors and omissions (E&O) solutions can help protect your organization’s finances and reputation in the event of lawsuits, penalties, and fines associated with regulatory actions, investigations, and audits.


A protective partnership

Our regulatory liability E&O solutions can help protect healthcare organizations and their leaders against costly lawsuits, penalties, and fines related to issues such as:

  • False Claims Act allegations (including qui tam suits)
  • Anti-Kickback Statute and Stark Law allegations
  • Voluntary disclosure of billing errors to the government or commercial payors

Key coverage highlights:

  • Primary and excess coverage available
  • $10M capacity
  • Optional retroactive coverage for up to three years
  • Coverage for defense and investigative costs, civil fines, and penalties including multiplied damages component

Expertise that delivers

It takes more than teamwork to provide top-tier coverage and services; it takes specialized expertise – something we’re proud to bring to every customer relationship.

Our knowledgeable underwriters have deep expertise in the healthcare sector and bring strong problem-solving capabilities and creative solutions to address the regulatory risks facing our insureds. We can design programs for a variety of healthcare organizations, including:

  • Non-profit hospitals
  • Physician groups (greater than 25 physicians)

From program design to claims response, count on us for proactive service that keeps your risk-management goals at the forefront.

Get in touch

Our commercial and specialty insurance products and services are distributed through brokers and agents. If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.

Monica DiCesare

Chief Underwriting Officer

Related insights

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.