Healthcare Is the Hardest Market to Place
Healthcare organizations handle the most sensitive data (PHI, medical records, SSNs) and face the strictest regulatory penalties (HIPAA). Carriers know this. Many have tightened their healthcare appetite or added hard requirements that smaller practices can't meet.
Here's which carriers are actively writing healthcare cyber in 2026 and what they're looking for.
Strong Healthcare Appetite
Coalition — Digital-first MGA. Minimum score of 35. Accepts most healthcare sizes. Includes active monitoring and incident response with the policy. Fast quoting via their broker portal. The easiest entry point for small healthcare accounts.
Beazley — Industry-leading breach response team (BBR Services). Strong appetite across all healthcare sizes. Minimum score of 35. Known for their claims handling — important for healthcare where breach response is complex.
CFC Underwriting — Broad SMB appetite backed by Lloyd's. No hard requirements (unusual for healthcare). Minimum score of 30. Fast turnaround on small accounts. Good option for dental practices and small clinics.
Moderate Healthcare Appetite
Corvus (Travelers) — Data-driven underwriting. Requires MFA on email AND endpoint detection. Score minimum of 40. Good for mid-market healthcare organizations that already have basic security controls in place.
Tokio Marine HCC — NetGuard One product. Strong mid-market focus. Requires MFA on email. Score minimum of 40.
Limited or Conditional
Chubb — Will write healthcare but requires MFA, EDR, backup strategy, AND an incident response plan. Score minimum of 60. Best for larger, well-secured health systems. Not practical for small practices.
AIG — Prefers $25M+ revenue healthcare accounts. Requires comprehensive security controls. Score minimum of 55. Enterprise-only.
How to Match Prospects to Carriers
The fastest path: scan the prospect's domain, check their security score, and match against carrier minimums. A dental practice scoring 42 with no MFA should go to CFC or Coalition. A hospital system scoring 68 with full controls should go to Beazley or Chubb.
SecureClear's carrier matching automates this analysis across 15 carriers, showing you exactly which carriers will quote and which will decline — before you submit.