Healthcare
Comprehensive health industry insurance addressing critical risks and specialized needs.
Halpenny has experience working for organizations operating across all spectrums of the healthcare and life sciences industries. With access to leading specialized health and life sciences insurance providers, Halpenny can provide insurance risk transfer solutions for hospitals, medical clinics, medical device manufacturers, pharmaceutical companies, research facilities, diagnostic labs, retirement & long term assisted living homes and other diverse for-profit or non-profit health institutions & organizations.

Healthcare Coverage Types
Tailored health coverages to protect against industry-specific risks.
Medical Malpractice Liability
Medical malpractice is when a doctor or other healthcare professional causes harm to a patient due to negligence or omission. Negligence can take many forms such as an error in diagnosis, treatment, aftercare, or health management.
Cyber
This covers claims of financial loss due to a cyber attack or privacy breach. It should include both first party (breach response, loss of income, systems restoration, ransomware, data restoration) and third party (privacy liability, network security liability, regulatory liability) coverages.
Abuse Liability
Abuse liability coverage helps organizations defend themselves against allegations of abuse and molestation. Organizations who deal with vulnerable populations are those who require coverage the most such as schools & daycares, retirement and nursing homes, sports teams & sports leagues, churches or religious organizations, camps or sports and recreations centres.
Fiduciary Liability
Fiduciary liability covers the individuals who take part in the decision-making of an employee benefit plan, administer a plan or its assets, or whose name or title is included on benefit plan documents. It is designed to provide financial resources when a business or representative has a lawsuit filed against them for claims of negligence or breach of duty. Those covered by a fiduciary plan may include directors and officers, plan trustees, employers (plan sponsors), internal investment committees, and plan administrators.
Employment Practices Liability
Employment Practices Liability (EPL) insurance protects organizations against allegations and lawsuits by employees who claim their legal rights have been violated. EPL exposures have expanded from discrimination or harassment brought by employees to include a wide range of evolving exposures including accessibility, gender issues and disputes over performance reviews and promotion. Policies can be broadened to cover claims from third parties such as customers, clients, vendors and suppliers.
Directors’ & Officers’ Liability
Directors and officers (D&O) liability insurance is designed to protect individuals who are personally sued for wrongdoing while serving as directors or officers of an organization. It provides coverage for defense costs and any resulting settlements the directors, officers and the organization are required to pay.
Wrongful acts and allegations covered under D&O policies include:
- Errors, misstatement or misleading statements
- Acts of omission or neglect
- Attempted or committed breaches of duty
Our Services
Halpenny is dedicated to your business’s success, focusing on building lasting relationships by providing the best coverage and ongoing support.
Protecting your business is our priority, just as it’s yours. Our tailored coverage keeps your employees and assets secure.
At Halpenny, we are committed to the success of your business. Our aim is to build a strong relationship with you by finding the best coverage for your business and support you over the long term. Satisfactory resolution of insurance claims is how we have built our business since 1912. Your business provides a living for you and your family. We can help keep your business and your employees secure.

Build a foundation for commitment with impactful offerings for your staff. Comprehensive programs are a key to drawing in and keeping skilled professionals.
In a competitive job market, investing in an Employee Benefits and a Group Retirement Savings plan helps attract and retain top talent, boosts morale and productivity, and keeps your employees and their families happy and healthy. A valued employee is a productive employee!
In today’s competitive job market, offering Employee Benefits and a Group Retirement Savings plan is more than just a perk—it’s a strategic investment. Such plans help attract and retain top talent, enhance morale, and contribute to the well-being of your employees and their families, fostering a happy and healthy workplace environment.

Brief introduction to individual insurance services for commercial clients
While an employee benefits and group retirement savings plan establishes a solid foundation for your organization and your employees’ financial security and well-being, it’s essential to acknowledge that additional elements may be necessary for comprehensive coverage. A group plan typically addresses collective needs but may not cater to the individual circumstances of each employee. Important options like term and permanent life insurance, disability coverage, and critical illness protection can fill these gaps and enhance overall financial resilience. At Halpenny Group Benefits & Retirement Specialists, we provide a holistic approach to employee well-being, ensuring your organization not only has robust group benefits but also access to personalized solutions that effectively support both the organization and its employees.

Coverage That Reflects Your Unique Lifestyle. Private Client Insurance for Every Stage of Life
Private Client Insurance delivers customized protection for your home, vehicles, and personal belongings, ensuring the security of your family’s most important assets. Our dedicated team provides exceptional service tailored to your unique needs, allowing you to feel confident in your coverage. We understand that emergencies can happen at any time, which is why we offer 24/7 emergency claims service to assist you whenever you need help. With our comprehensive solutions, you can focus on what truly matters, knowing that we are here to support you in safeguarding your future.

Protecting Your Business with Expert Insurance Advice
At Halpenny, we specialize in advising companies to ensure their insurance programs protect their financial interests laying the groundwork for long-term growth and success. As advocates for insurance procurement and risk management, we provide independent advisory services to navigate the complexities of the insurance market with confidence. Our expertise delivers value by reducing exposure to non-coverage exposure while identifying premium-saving opportunities and creating tailored solutions that align with your business goals. Trust Halpenny to safeguard your future with proactive and comprehensive insurance strategies.
