Fuse Launches Healthcare & Senior Living Vertical, Bringing Real-Time Synthesized Market Intelligence to Commercial Insurance’s Hardest Class
NEW YORK, N.Y., July 27, 2026 — Fuse, the AI-powered commercial insurance intelligence platform, today launched its Healthcare & Senior Living vertical — the company’s eighth industry hub, joining Agriculture, Transportation, Contractors, Habitational, Workers Compensation, Main Street Commercial, Hospitality and Cyber.
Healthcare professional liability is among the most stressed classes in commercial insurance heading through 2026. Primary healthcare professional liability rates are running +5% to +15%, with higher excess layers up +20% to +30% and accounts in high-severity venues seeing increases above 30%. Senior living renewals are running +5% to +20%. At the same time, established carriers have cut available limits — in many cases from $15 million to $5 million or less — and several longtime senior care writers have exited the class entirely.
Severity is the driver. The top 50 medical malpractice verdicts averaged $56 million in 2024, up 75% from $32 million in 2022, with multiple verdicts exceeding $100 million by early 2026. Third-party litigation funding is associated with materially higher payouts and longer resolution timelines. Underwriters are tightening abuse coverage across excess towers, scrutinizing memory care exposure, and pulling back from difficult venues including New York, New Jersey, California, Florida, Philadelphia, and Cook County — while newer entrants undercut on price to build share. The result is a market where the same account can see a flat renewal from one carrier and a 30% increase with half the limit from another.
“Healthcare is not one market right now — it is a dozen, moving in different directions at once,” said Sean Bourgeois, Founder & CEO of Fuse. “A broker placing a senior living portfolio or a physician group is working against carriers repricing in real time, limits being cut mid-tower, and verdict data that changes the math venue by venue. Until now, reading that market meant stitching together filings, verdict reports, and market chatter by hand — usually too late to matter. This vertical synthesizes all of it, live.”
THE MARKET IN NUMBERS
Among the signals the new vertical tracks and synthesizes at launch:
- Top 50 medical malpractice verdicts averaged $56 million in 2024, up 75% from $32 million in 2022 — with multiple verdicts exceeding $100 million by early 2026.
- Higher excess layers renewing at +20% to +30%; accounts in high-severity venues seeing increases above 30%.
- Many established carriers have reduced available limits from $15 million to $5 million or less.
- Routine senior living slip-and-fall settlements have climbed from roughly $150,000 to $350,000.
- Claims backed by third-party litigation funding are associated with 60.5% higher payouts and 140% longer resolution times.
HUB CAPABILITIES
The Healthcare & Senior Living vertical synthesizes regulatory rate filings, carrier appetite and capacity signals, verdict and litigation trends, venue risk indicators, medical cost and labor indices, and admitted versus E&S market posture — across hospitals, physician groups, allied health, behavioral health, home health, and senior living facility types. Intelligence is accessible immediately through the Fuse platform with no system integration requirements.
PRICING & ACCESS
Fuse offers a two-tier model: Professional ($499/seat/month), and Enterprise (custom pricing with API integration). The Healthcare & Senior Living vertical is available to all Fuse customers immediately. Registration and demos are available at fuserisk.com.
ABOUT FUSE
Fuse is an AI-powered commercial insurance intelligence platform serving brokers and carriers. The platform synthesizes regulatory filings, federal loss data, commodity markets, cost indices, and carrier appetite signals into actionable intelligence at placement and submission evaluation moments. Headquartered in New York, the platform operates at fuserisk.com.
