LMA modernises model healthcare liability policy

Updated policy released

LMA modernises model healthcare liability policy

Life & Health


The Lloyd’s Market Association (LMA) has announced an updated model for its US Excess Health Care Providers’ Liability Policy (XHCP). This move follows a two-year-long project aimed at modernising and updating the previous model XHCP, which was last published in 1991.

Renewal project led by Medical Malpractice Committee

In 2021, the LMA’s Medical Malpractice Committee established a working group to be responsible for renewing the XHCP wordings. The group consisted of several industry leaders, including Andrew Hornsblow, Chair (Dale), Thomas Kennedy, Deputy Chair (Brit), James Barrett (Arch), Matt McCullaugh (Beazley), and David Lee (Chaucer). The working group was supported by Robin Horton, a wording attorney at Beazley US, and Katie Clark, Chris Mather, and Ron Monfries at the LMA.

New policy boasts updated structure

The new version of the XHCP policy comes with several updated features designed to make it easier for brokers and underwriters to navigate. These include a more structured layout, consistent language, and up-to-date endorsements. The new policy also provides flexibility for non-standard endorsements and exclusions in evolving areas such as cyber risk.

According to David Powell, LMA’s head of technical underwriting, the updated XHCP policy represents a significant step forward for the market.

“The LMA’s Medical Malpractice Committee is proud to release this revised Excess Health Care Providers’ Liability Policy,” he said. “The final document is the culmination of two years of work from a dedicated team to ensure that the latest policy is more consistent and easier for clients to read and understand than the 32-year-old policy that preceded it. We are pleased to deliver a simplified, purpose-built policy that befits the market it serves.”

About LMA model wordings

The Lloyd’s Market Association (LMA) publishes model wordings that are available on the Lloyd’s Wordings Repository (LWR) for the guidance of Lloyd’s managing agents, brokers, and other market participants.

These model wordings are purely illustrative and do not constitute legal advice. Contracting parties are free to agree to different conditions or amend model clauses as they see fit.

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