TORCH - Liability, Property and Workers Compensation Insurance Programs

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TORCH offers a full range of insurance programs specifically designed to meet the needs of rural hospitals. All of the insurance programs are underwritten by A.M. Best, rated A or better, and provide the most comprehensive coverage and economical price available to rural and community hospitals in Texas. Participating in TORCH sponsored programs has a major benefit for hospitals - reduced expenses, one of the most important factors in operating a rural hospital.

Programs include:

• Automobile & Ambulance
• Boiler & Machinery
• Directors & Officers Liability
• Employee Health Benefits

• Hospital Professional/General Liability
• Property Insurance

• Self Insurance Alternatives for Hospital Professional Liability
• Workers Compensation

All of TORCH insurance programs are administered and marketed by HealthSure Insurance Services, Inc., which serves as the TORCH Insurance Program Manager. For more information or to request a quote, please contact either Barry Couch or R. Brant Couchat the numbers below:

Barry Couch
HealthSure Insurance Services, Inc.
254/773-9814 ext. 302

Automobile & Ambulance
Coverage available for all owned vehicles, including ambulances. Coverage designed to meet the needs of transportation exposures for TORCH hospitals.

Boiler & Machinery
‘A’ rated insurance company; broad coverage form that includes diagnostic equipment (most policies specifically exclude this).

Directors & Officers Liability
Insurance Company is one of the leaders in insuring D&O for health care industry; broad coverage form that includes antitrust, employment practices liability, and entity coverage.

Employee Health Benefits
Full range of Health Insurance and Employee Benefit solutions including self-insurance alternatives. Special discount pricing and unique plan designs tailored to the TORCH hospital.

Hospital Professional/General Liability
Customized insurance policy specific to TORCH Hospitals covering Professional and General Liability exposures. Offering enhanced coverage, industry's top risk management services, competitive cost and financial stability.

Property Insurance
A comprehensive, price competitive Master Property policy customized to meet the property insurance needs of TORCH hospitals. Within the Master policy are broader coverages often not obtainable on a stand alone policy for single hospital. Risk management services are superior in the prevention of losses.

Self Insurance Alternatives for Hospital Professional Liability
HealthSure can perform a feasibility study which will allow the Board to conduct their "due diligence" in determining whether self insurance is a viable option for their TORCH Hospital. If self insurance is decided as the solution, then the professionals at HealthSure will guide you through the formal process of establishing a qualified plan.

Workers Compensation
Specialized program offered through Texas Mutual, which provides very competitive pricing as well as risk management services.

For more information about TORCH, contact:
Texas Organization of Rural & Community Hospitals
P.O. Box 14547
Austin, Texas 78761
512-873-0045
torch@torchnet.org