On the road with Brit’s Healthcare Liability team: a national perspective on a challenging market.
Over the past month, our healthcare underwriting and claims teams have spent significant time on the ground across North America, meeting with clients, brokers and prospective partners face to face. Since the start of the year alone, the team has travelled extensively across major healthcare markets including New York, Philadelphia, Chicago, Dallas, Kansas City, Denver, Detroit, Toronto and multiple states across the Midwest, South and East Coast. And there is more to come over the coming weeks!
This level of engagement is deliberate. In a complex, long‑tail class like healthcare liability, market leadership is built partly through proximity: being present in the jurisdictions where risk is written, engaging directly with health systems, and contributing to industry discussions where clients and brokers are actively seeking insight. Over the course of last year, the team met with more than 200 health systems from across the US in person, spanning existing clients and prospective relationships. Already this year, dozens more meetings are underway.
You can’t get this perspective from a screen. Being welcomed into health systems across different states really brings home how varied the pressures are and how thoughtful many clients are about the long-term decisions they’re making.
Critical Conversations
From broker meetings to boardrooms
These engagements take many forms. Alongside regular broker and client meetings, team members have been invited to speak at conferences, sit on panels and present directly to healthcare boards and address internal committees. Recent engagements have included panel discussions on the state of the healthcare liability market, jurisdiction‑specific claims environments, and board‑level briefings designed to help non‑insurance executives understand the forces shaping their risk transfer decisions.
What unites these conversations is not a sales pitch, but leadership through perspective and insight. Clients and brokers are looking for underwriters who can articulate what is happening across jurisdictions and health systems nationally, not just within a single state or account.
Critical Conversations
What’s striking is how frank these conversations are. Whether it’s a broker meeting or a boardroom discussion, people are willing to confront some difficult issues (capacity, claims volatility, sustainability) because they know we’re there to talk honestly, not to gloss over reality.
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A broader perspective
An underwriter’s view of the state of the market
A recurring theme across these discussions has been the “state of the market,” but from an underwriting rather than a purely broking lens. The team’s perspective is shaped by a combination of extensive client interaction, claims experience and long‑tail data, allowing them to speak candidly about the challenges the market continues to face.
Topics regularly discussed range from broad market dynamics (such as social inflation and the impact of post‑COVID jury behaviour) to more granular, jurisdiction‑specific litigation challenges and tort reform erosion. Crucially, these conversations move beyond headline narratives to focus on how these trends translate into real claims outcomes, capital deployment decisions and long‑term portfolio performance.
A broader perspective
We’re often asked whether conditions are improving or deteriorating, The reality is more nuanced and clients appreciate that we’re willing to say ‘it depends’, and then explain why.
Commitment to the sector
From macro trends to practical responses
In many meetings, discussion moves from macro conditions to practical responses. This includes how health systems and insurers are adapting their approach to litigation risk, and the growing emphasis on using a broader range of tools and expertise to manage claims outcomes effectively. These conversations are not about promoting services, but about sharing insight gained from working across hundreds of hospitals and health systems and the full range of jurisdictions and seeing how different strategies perform in practice.
For clients, particularly those presenting insurance decisions to the boards of captives or other risk transfer vehicles, this national perspective helps contextualise difficult conversations around pricing, capacity and long‑term sustainability.
Commitment to the sector
At a time when capacity in parts of the healthcare liability market has continued to contract, Brit has been clear about the importance of long‑term commitment and consistency. Supported by its healthcare consortium, Brit has been able to singularly enhance its ability to offer meaningful capacity, at a point when other insurers have reduced participation or withdrawn altogether.
This matters. For health systems managing complex, long‑tail exposures, leadership is not simply about insight, but about the confidence to stay engaged through challenging market conditions, backed by disciplined underwriting and the capital structure to support it.
A London and Lloyd’s advantage, applied locally
Brit’s approach reflects the strengths of the London and Lloyd’s market when applied properly: global perspective, deep specialist expertise and a long‑term view of risk. By combining that foundation with sustained, on‑the‑ground engagement, the team is able to bring a genuinely national and international perspective into underwriting and claims decisions in a way that many local or more narrowly focused carriers cannot.
Why being there still matters
In an era of virtual meetings, the volume of travel may stand out. But for complex healthcare risks, trust and leadership are built through sustained, in‑person engagement. Being present across jurisdictions allows the team to listen closely, test assumptions, and bring a genuinely national view back into underwriting and claims decisions.
That, ultimately, is what clients and brokers are responding to—not the miles travelled, but the depth of perspective those journeys create.
For brokers and health systems navigating a difficult market, that depth of perspective, and the capacity to act on it, is what increasingly differentiates leaders from participants.
Commitment to the sector
We’re genuinely grateful for how much time clients give us. These are busy organisations, under pressure, and the fact they make space for these conversations says a lot about how seriously they take their risk decisions.
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Continuing the conversation
For those looking to understand how these insights translate into underwriting appetite, structure and long‑term commitment, Brit’s healthcare team welcomes the opportunity to continue the conversation.
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