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Healthcare and Hospital Insurance
Real-time advisory, placement, claims and market engagement, brought together in one cohesive healthcare risk management team, keeping your mission at the center.
Healthcare risk is not a renewal conversation. It’s an everyday one.
Most brokers are built around the renewal cycle.
They place the policy, walk through the coverage, and check in when it is time to renew. In between, the relationship goes quiet, and so does the risk conversation.
Healthcare organizations deserve better than that. Clinical, financial, and regulatory decisions are closely connected and happen every day, not once a year. Rising claim severity, nuclear verdicts, regulatory shifts, cyber incidents are redefining exposure. So are emerging technologies and the escalating costs of operation. Growth through acquisitions, new services, and partnerships adds further complexity.
How leaders anticipate and manage risk directly affects their ability to stay resilient and focused on patient care. A reactive approach is no longer sustainable, as it creates gaps that often remain hidden until a failure occurs. Risk transfer should be part of everyday operational and financial decisions, not just placements or renewals.
Proactive risk support, built for how healthcare actually works
At Howden, we bring firsthand industry experience to this challenge. Our team includes former healthcare executives who have worked inside hospital systems, physician groups, and multi‑entity organizations, enabling us to provide continuous, proactive risk support that moves with you as your needs evolve.
Risk advisory is not an add-on. It is embedded in everything we do — placement, claims, market engagement, and day-to-day support — so we are always present, always close to your operations, and always working to keep your risk strategy aligned with how your organization delivers care.
Managing healthcare risk requires more than a placement
it demands integrated advisory, placement, service, claims support, and active market engagement embedded in your operations so every decision, at every stage, serves your mission.
40+
Offices across the USPlacement specialists
Unrivalled connectivity to the marketPhysician practice
Focused expertise for physician placementsRisk advisory
Included in our offering- not as an add-onService
Rapid response. Senior expertise. Always there.Private equity
Specialized healthcare knowledge for deal complexity
Core healthcare solutions we offer
Risk advisory services for healthcare
Embedded from day one and proactively sustained, not just at renewal. Covers compliance, regulatory, risk management, and claims advocacy for a highly regulated industry.
Healthcare professional liability insurance
Healthcare liability insurance to cover medical malpractice allegations for providers, group practices, and allied health providers; covering errors and omissions in patient care.
General liability insurance for healthcare providers
Addresses facility and operational risks, including visitor and vendor incidents, on-premises liability, and workforce-related exposures across all care settings and locations.
Management liability healthcare insurance
Coverage for executive and organizational risk, including directors' and officers' liability, cyber liability, data privacy and security breaches, crimes coverage, and employment practices.
Healthcare risk and insurance program design
Structuring coverage across markets, including self-funded programs, captives, risk retention groups (RRGs), and other alternative risk transfer and financing solutions.
Specialized coverages for healthcare
We also place coverage for helipad and non-owned aircraft, auto and ambulance, storage tanks, environmental liability, fiduciary liability, and other coverages to address individual entity needs.
Claims advocacy
Guidance through resolution, including litigation support and direct carrier engagement for medical malpractice insurance and other complex claims.
Healthcare property coverage
Protecting healthcare facilities, equipment, and infrastructure, including coverage for specialized healthcare environments and business interruption.
Private equity and transaction advisory
We guide healthcare organizations through acquisitions, divestitures, and integrations, ensuring risk, insurance, and diligence strategies are structured to preserve value.
Ready to talk?
Connect with a Howden advisor to review your healthcare risk and insurance program. Meet our healthcare leadership team
Vice-Chairman, Executive Managing Director, Healthcare, Life Sciences and EducationVice-Chairman, Executive Managing Director, Healthcare, Life Sciences and EducationA visionary leader with over 30 years at the forefront of healthcare risk management and strategic insurance advisory, Giselle currently serves as Vice Chairman and Executive Managing Director at Howden, and as member of the Executive Committee, where she helps shape the future of healthcare and education risk solutions. Based in Miami, Florida, she brings unmatched expertise in navigating complex portfolios, pioneering alternative risk strategies, and forging enduring partnerships with clients across the industry.
She has led transformative initiatives in medical malpractice, captives, and risk retention groups; built and scaled teams; driven innovation; and consistently delivered results that redefine industry standards.
Giselle blends academic precision with real-world insight to craft bespoke solutions for healthcare organizations facing today’s most pressing challenges. Her leadership style is bold yet collaborative, grounded in data, and focused on sustainable growth—with a passion for mentoring talent and driving meaningful change.
Healthcare Industry LeaderHealthcare Industry LeaderAlex has considerable experience in the design and placement of (re)insurance contracts focused on the healthcare industry. He has worked on accounts originating from all around the world including the USA, Australia, Asia and the UK. His expertise has meant he has been chosen to advise a wide variety of clients who require medical professional liability insurance including everything from the largest US teaching hospitals to Managing General Agents insuring individual practitioners.
Alex has over 20 years of insurance experience with a focus in healthcare throughout. He holds an Honours Degree in Economics from the University of Manchester.
Managing Director, Sr. Administration Officer, HealthcareManaging Director, Sr. Administration Officer, HealthcareAl is a strategic account manager with Howden US, specializing in the Healthcare Industry. He is also responsible for the processes and procedures in the delivery of our solutions capabilities to our clients for their enterprise risk management engagement.
Al has over 35 years of experience working in the insurance industry and has been specializing in the healthcare industry since 2010. During his career, Al has worked in numerous industry sectors including private equity, hospitality, energy, entertainment, restaurant, education, manufacturing, real estate, marine, transportation, and waste management. Account demographics have ranged from Fortune 500 multi-national corporations to single location companies with less than $25 million in revenue.
Chief Broking Officer, HealthcareChief Broking Officer, HealthcareJohn Telenko is our Healthcare Chief Broking Officer at Howden US. John brings more than 36 years of experience across medical professional liability underwriting and broking, with extensive expertise in complex risk and negotiation.
His background as an underwriter gives him a distinct perspective on risk, coverage, and program structure. At Howden US, he has also been focused on innovation, including developing products to address emerging risks – stay tuned, more to come on this subject.
John brings a deep understanding of the firm, supported by long standing relationships with clients and strong connections across the global Howden network.
Managing Director, Florida Practice Leader, HealthcareManaging Director, Florida Practice Leader, HealthcareVeronica Campos is a Managing Director based in Miami, Florida, where she leads the service team with a focus on workforce development, client‑centered risk management, and consistent service quality. She oversees the Client Executives and Service Team Leaders, ensuring strong execution and a reliable client experience.
With 25 years in the insurance industry — including 17 supporting complex healthcare organizations nationwide — Veronica brings deep expertise and a steady, client‑focused leadership style. She is known for responsive communication, personalized guidance, and strategic insight tailored to the needs of each organization.
Managing Director, Howden Risk Advisory Services, HealthcareManaging Director, Howden Risk Advisory Services, HealthcareVivian Gallo is a Managing Director, based in Jacksonville, Florida. In her role, she is responsible for leading the claims, risk, captive, and strategic services Howden provides to its healthcare clients. Through collaboration with the client service team, she provides specialized solutions to mitigate and prevent clients’ risks and exposures.
Vivian has over 25 years of healthcare industry experience. She is a former General Counsel to several health systems and has experience as a medical malpractice defense attorney and underwriter’s representative for international reinsurance markets. Vivian is a board-certified healthcare attorney and claims and risk professional.