18 April 2023

LMA releases refreshed model Excess Health Care Providers' Liability Policy wording

London, 18 April 2023: The Lloyd’s Market Association (LMA) has released an updated model US Excess Health Care Providers' Liability Policy (XHCP). This marks the end of a two-year project to modernise and update the last model XHCP published in 1991.

In 2021, the LMA’s Medical Malpractice Committee set up a working group to renew the XHCP wordings. The group comprised of Andrew Hornsblow, Chair (Dale), Thomas Kennedy, Deputy Chair (Brit), James Barrett (Arch), Matt McCullaugh (Beazley) and David Lee (Chaucer), supported by Robin Horton, wording attorney (Beazley US), and Katie Clark, Chris Mather and Ron Monfries at the LMA.

The latest version of the policy boasts an updated structure, clear and consistent language and the addition of up-to-date endorsements to save brokers and underwriters time and effort, with flexibility for non-standard endorsements and exclusions in evolving areas such as cyber risk.. 

David Powell, LMA’s Head of Technical Underwriting, said: “The LMA’s Medical Malpractice Committee is proud to release this revised Excess Health Care Providers' Liability Policy. 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.

- ENDS -

Notes to Editors

Media relations contacts

Fiona Temple, Communications Director| +44 (0)203 307 3919 |  Email:
H/Advisors Cicero:
Kuba Stawiski  | +44 (0)785 603 1906 | Email

About LMA model wordings

The wordings are available on the Lloyd’s Wordings Repository  (LWR). All LMA model wordings are purely illustrative and are published and distributed for the guidance of Lloyd’s managing agents, brokers and other market participants. Contracting parties are free to agree to different conditions/amend model clauses as they see fit. 

About the Lloyd’s Market Association (LMA)

The Lloyd's Market Association (LMA) exists at the very heart of Lloyd's, a world-leading global marketplace for complex risk where solutions to challenges are delivered every day. All 51 Lloyd's managing agencies, with a total market stamp capacity of approximately £48bn in 2023, and all Lloyd's members' agents, are members of the LMA.

We represent our members' interests to organisations including governments, regulators, and the market's central supporting body, the Corporation of Lloyd's. We provide professional and technical expertise in areas ranging from model policy wordings to the implementation of innovative technologies. We connect with our members to identify and resolve issues facing the market, and work in partnership with Lloyd's and the other market associations to influence initiatives and outcomes. We operate the market's most comprehensive technical education service, the LMA Academy. For more information visit: