Strong support – even when the going gets toughInsurance policies in the area of healthcare and social services

MRH Trowe MED GmbH offers more than 20 years of practical experience to stakeholders in the healthcare sector (e.g. hospitals, ambulatory healthcare centres, physicians) and in the social services sector (e.g. home operators, social groups, associations)

  • in comprehensive risk management,
  • in the individual handling of all insurance issues and
  • in optimisation of the insurance concept.

Due to our intensive and sustainable “all-round support” of the risks, damages and insurance policies of our clients, we are thoroughly familiar with the particularities and the transformation of these special markets: Founding of ambulatory healthcare centres, cooperation with resident physicians, outsourcing of clinic cleaning, elimination of conscientious objectors conscripted to do community work, as well as 1€ workers, Danish/private-sector competitors and much more.

Together with you, we work out risk-adjusted insurance solutions in trust-based collaboration. In this process we continuously consider the changes in your enterprise and in your environment.

In an ongoing dialogue with administration and management, we ensure efficient and service-oriented handling of your company’s business transactions. We are a competent contact partner for your employees that are directly affected in the operational and damage area (head physician/physician, physician responsible for programmes, long-term care personnel, home manager, nursing staff, social education worker, etc.).

Based on our wealth of experience in claims management, we are pleased to provide good tips on how to deal with everyday risks.

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Liability insurance

Public liability and professional liability insurance is the central class of insurance in the healthcare sector. As a result of critical re-evaluations of risks by insurers, there have been significant premium increases in the past. In this difficult market segment, particularly we create real added value for you as a competent consultant on an equal footing. In this special business segment we are a recognized business partner of all leading hospital liability insurers in Germany!

Our activities are focussed on comprehensive risk assessment and consistently updating such assessments, as well as settlement of the claims that arise. In the day-to-day routine, you are supported by a specialist who is familiar with your firm.

Whether in-sourcing or out-sourcing, external sterilisation, Patients’ Rights Act (German Patientenrechtegesetz (PatRG)), regional group practice, fee-based physicians or part-time employment of resident physicians: If something new develops or the Federal Court of Justice issues a noteworthy ruling concerning accident insurance consultants – we are “on-hand” and speak your language!

Financial loss liability

Coverage of financial loss due to breaches of duty on the part of your employees offers an effective supplement to the usual personal injury and property damage coverage. Non-profit institutions have long enjoyed the privilege (even before the emergence of the D&O market in Germany) of being comprehensively and cost-effectively provided with exclusive insurance products. This applies in particular to the first-party loss area. Nowadays these products are also available on a case-by-case basis for non-profit or for-profit healthcare organizations.

The interlinking/combination of first-party financial loss covers with the D&O insurance that is customary for executive bodies is now a standard.

Property insurance (property and loss of earnings insurance)

What dangers threaten your material assets and your business operations? As a specialised insurance broker, we are familiar with the particularities of healthcare and social services. Open facilities, patients’ belongings, “OR as production area”, high-tech medicine, endoscopes, optics, doctor’s bags, typical revenues from hospital operations (according to hospital accounting regulations (KHBV)), interactions with outsourced areas and/or cooperation partners, risks described in the German Protection Against Infection Act (IfSG), etc. We take these diverse topics into account in the individual design of your property and loss of earnings insurance policies. Insurance offerings can only be sustainably favourable for you if they take into account your special risk situation.


Based on our experience, the list of special issues in the social economy and health market can be extended indefinitely. Such a list provides plenty of reasons to avail yourself of a specialised insurance broker:

  • Business trips of employees with private cars
  • Volunteers
  • Excursions with supervised persons
  • Assisting relatives
  • Patient and resident belongings (loss, damage, safekeeping)
  • Criminal incapacity
  • Obligatory supervision
  • Civil protection
  • Emergency services
  • Ambulatory activities
  • Meals on wheels
  • Housekeepers
  • Food supply for external companies
  • Driving services
  • Special vehicles
  • Telemedicine
  • Medical activities in foreign countries
  • Advisory council/board of trustees
Solution approaches

Our “360-degree consulting” offers a solution-oriented approach for a holistic consideration of your company.

Concerning the purchase of insurance cover, we advise you professionally with regard to the placement of your contracts. If there are complex requirements, we place your insurance programme with national and international risk carriers. We have sufficient experience in putting together consortia and vertical pricing.

Moreover, our specialists and underwriters are in constant contact with insurance companies. This enables an ongoing transfer of knowledge and negotiation on an equal footing.

We would be pleased to be your reliable partner for all aspects of individual insurance solutions and risk management. Contact us!

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