Member owned. Expertly managed.

Take care of your patients. We'll take care of you.

CHART members are carefully selected, and they share in the rewards of our risk management and patient safety efforts. Our long-term investment approach to patient care and safety provides a member experience unlike any offered by traditional insurance carriers.

CHART offers professional liability and general liability coverage in New York, Pennsylvania, and West Virginia, with limits up to $25,000,000 in excess of primary coverage. Flexible limits are available for hospitals and employed physicians. For physicians, occurrence or claims-made coverage is available.

Our low rates are driven by low overhead, little member turnover, no income taxes, and our members’ commitment to safety.  Our rates are typically 2/3 of those offered by other malpractice carriers.

CHART also provides coverage for security breaches including theft, loss, or unauthorized release of information, and breach support services including call center notification of affected individuals, computer forensics, identity theft fraud resolution services, and access to educational resources for strengthening compliance and information security. Coverage is underwritten by Lloyd’s of London and premiums are paid by CHART at no additional cost to the member.

Physicians’ professional liability coverage is available for physicians who practice primarily at member hospitals.  Various limit structures are available, including separate limits for each provider.

Our underwriting is selective and our rates reflect CHART’s low overhead, low client turnover and no income tax liability as a reciprocal carrier.


CHART claims management process provides:

Superior, proven process focusing on proactive customer service

Early intervention and pre-suit resolution where appropriate

Collaborative approach to strategy/decision-making/choice of counsel

Clinical expert review for litigation and unrepresented patient claims

Direct access to Committee with control over strategy and settlement decisions

In-person participation in mediations and court hearings

Annual review meetings including CHART claims manager and counsel

Community hospitals face varied complex risks. CHART's mission is to help members reduce their risk profiles by implementing risk management strategies and providing loss prevention services.

Biennial onsite assessment surveys

On-demand risk management consultation

Subscription to the ECRI Healthcare Risk Control Manuals

Collaboration platform for sharing best practices

On-line repository of risk management best practice documents

When safety events occur, having the right guidance at the right time can make all the difference. Our Risk Hotline provides:

Immediate access to a medical liability specialist attorney

Expert staff from each state in our coverage area

Answers provided at no cost to the member


Our rates are 2/3 of those offered by other malpractice carriers.

Member Benefits

In addition to exceptional coverage and unparalleled customer service, our member hospitals receive exclusive access to these events and resources at no additional cost.


Privilege from discovery for vital safety information and custom feedback on submitted events

Networking Opportunities

Annual conference featuring risk management, safety and legal experts

Safety Bundles

Professionally curated, comprehensive listing of online and on-demand educational resources focused on liability-prone service areas

Monthly Webinars

CHART-provided webinars featuring authoritative outside speakers on hot topics in safety and risk management

The Sullivan Group

Emergency Medicine and Obstetrics continuing education courses for clinical providers including credit hours


Continuing education, including credit hours, for clinical providers


Skills-based safety education modules for clinical professionals at all levels

AHWONN FHM Certification

CHART sponsorship of OB professionals from member hospitals in obtaining training certifications from AHWONN

Human Patient Simulation

On-request access to maternal, pediatric, infant, and central line simulators

TeamSTEPPS Training

Hands-on, team-based training in the AHRQ communication and problem-solving techniques

RL Solutions

Healthcare software for incident reporting and event management


years of milestones

Connect With CHART Today

If your organization’s goals and vision align with CHART’s, we’d like to hear from you. Connect with us using the form below to learn more about membership.