Business Details
32 Years
experience
Commercial Insurance Solutions Experts
Founded in 1994, HCP National Insurance Services is one of the largest independent insurance brokerages in the United States, led and owned by a certified minority woman. Our core mission centers on delivering tailored commercial insurance solutions while championing diversity and inclusion within the industry. We specialize in Stop Loss, Medical Malpractice, Cyber Liability, and Employee Benefits insurance, serving clients nationwide with expertise honed over three decades. Our team of seasoned professionals, with an average tenure of 20 years, prioritizes cost-effective coverage optimization and personalized service through dedicated account managers.Recognized for our commitment to excellence, we maintain a 97% client retention rate, with no eligible claims denied in our history. Backed by certifications including MBE, WBENC, and WOSB, we empower organizations to mitigate risks while advancing supplier diversity goals. Our value-driven approach includes legal policy reviews, actuarial analysis, and benchmark reporting to ensure comprehensive protection. With over $1 billion in placed premiums and coverage for 1 million+ self-insured plan members, we combine industry-leading expertise with unwavering integrity to deliver solutions that protect and empower our clients' missions.
Services
Stop Loss Insurance
Medical Malpractice
Cyber Liability
Employee Benefits
Workers Compensation
Professional Liability
Reinsurance Services
Cryptocurrency Coverage
Employment Practices Liability
Provider Stop Loss
Details
- Year established: 1994
Highlights and features
- We decrease insurance costs while maintaining coverage quality through expert risk analysis
- Our dedicated account managers provide personalized service unavailable at large brokerages
- Team maintains 20-year average industry tenure with specialized insurance knowledge
- We guarantee written policy analysis to confirm coverage adequacy for all clients
- Proven 80%+ success rate in competitive brokerage projects with zero eligible claim denials
Associations and certifications
- MBE Certification
- WBENC Certification
- WOSB Certification
What people say
Responsive professionals
Best experience ever
Saved us money
Excellent service
Highly recommend
Services
Stop Loss Insurance
HCP National specializes in Stop Loss Insurance for self-insured medical plans, providing financial protection against catastrophic claims. Our proprietary 'Mr. MEWA' method helps organizations reduce costs while maintaining coverage quality. With expertise in placing over $1 billion in premiums, we ensure businesses receive customized solutions that balance risk management with affordability through dedicated account management and actuarial analysis.
Medical Malpractice
Our Medical Malpractice Insurance protects healthcare providers against liability claims while offering 24/7 availability and guaranteed competitive pricing. The program includes streamlined paperwork processes and direct carrier communication, with specialized coverage for high-risk specialties through access to standard and non-standard insurance markets. Clients benefit from our 97% claim approval rate and dedicated claims support.
Cyber Liability Insurance
HCP's Cyber Liability Insurance provides comprehensive protection against data breaches and network security threats. Our policies include legal defense coverage and indemnity protection, with benchmark reporting to recommend appropriate coverage limits based on industry peers. The program addresses evolving cyber risks through customized solutions developed by our team of insurance specialists with 30+ years of combined experience.
Employee Benefits
We offer comprehensive Employee Benefits solutions including medical, dental, and vision insurance programs. Our experts help organizations implement cost-effective benefit plans while ensuring compliance with regulatory requirements. The service includes access to standard and non-standard markets, with value-added HR support tools and certificate management software to streamline administration for employers.
Workers Compensation
HCP's Workers Compensation Insurance provides financial protection for employment-related injuries while helping businesses manage workplace safety compliance. Our program combines traditional insurance solutions with risk management strategies tailored to specific industry needs. Clients receive personalized support through dedicated account managers and access to specialized coverage options for complex business requirements.
People
Andrea Cris Dyer
CEO
Andrea Cris Dyer founded HCP National in 1994 as a certified minority-woman-owned brokerage. Under her leadership, the company has placed over $1 billion in premiums while maintaining industry-leading client retention. She champions diversity initiatives and has built a team where 84% of employees are women and 80% represent minority groups.
Questions
What commercial insurance products does HCP National offer?
We provide Stop Loss, Medical Malpractice, Cyber Liability, Workers Compensation, Professional Liability, Employee Benefits, and Cryptocurrency insurance. Our specialists also handle complex coverages for MEWAs, captives, and healthcare organizations.
How does HCP help businesses reduce insurance costs?
Our team analyzes existing coverage to identify savings opportunities while maintaining protection quality. Through supplier diversity programs, competitive market analysis, and proprietary risk management methods like 'Mr. MEWA', we typically secure cost-effective solutions for clients.
What certifications does HCP National hold?
We maintain MBE, WBENC, and WOSB certifications as a minority-woman-owned brokerage. These credentials help clients meet supplier diversity requirements while working with an industry-recognized expert in commercial insurance solutions.
How are insurance claims handled?
HCP guarantees no eligible claims are denied through our rigorous policy analysis process. We provide written coverage evaluations and work directly with carriers to ensure prompt resolution, maintaining a 97%+ client retention rate over 30 years.
What geographic areas do you serve?
As a national brokerage, we serve clients across all 50 states with specialized expertise in California hospital supplier diversity programs and nationwide commercial insurance placements for businesses of all sizes.
