Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 25, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: 601 Carlson Parkway
City: Minnetonka
State: Minnesota
ZIP Code: 55305
Phone Number: 1-877-434-3900
Year Founded: 2001
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to Remember...

  • Houston General Auto Insurance sells professional liability products, management  liability products, and healthcare options
  • One Beacon Professional Insurance, of which Houston General is a subsidiary
  • One Beacon has a variety of coverage options in the healthcare industry

Houston General Insurance is a subsidiary of One Beacon Professional Insurance.

The company does not sell auto insurance but instead sell professional insurance coverage options like healthcare, medical excess, professional liability, management liability, and financial services coverage.

Houston General, by combining with One Beacon, is able to offer this unique type of coverage to the medical community and other professionals.

If you are looking for auto insurance coverage, enter your zip code in the FREE box above to compare auto insurance rates for top companies now!

One Beacon Professional Insurance Healthcare Coverage

One Beacon has a variety of coverage options in the healthcare industry. Hospitals and other medical facilities are very vulnerable to liability due to the nature of their business.

The first type of healthcare coverage offered by One Beacon is Hospital, Physicians, and Complex Risks Insurance. This type of coverage is customized because not all hospitals are the same and not all physicians are the same.

Coverage options include responsive, flexible coverage for small or medium-sized hospitals. For large hospitals, excess or captive coverage options are available.

The second type of healthcare coverage offered by One Beacon is Medical Facilities Liability Insurance.

For this coverage, One Beacon can tailor a program for medium or small hospitals with a $10,000 minimum premium, or it can tailor a program for large hospitals that includes deductibles and excess coverage options, as well as affordable payment options.

The third type of healthcare coverage offered by One Beacon is Long Term Care Professional Liability Insurance.

This coverage option comes with primary as well as excess coverage, limits of $1 million per person or $3 million per incident, excess limits coverage in the amount of $15 million, medical payments in the amount of $5,000 per claim, and fire damage up to $50,000.360

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One Beacon Professional Insurance Liability Insurance

Professionals also are at high risk for liability when they are dealing with high-cost products that affect many people. Media liability from One Beacon protects against lawsuits that result from what is broadcast through different media outlets.

Whether misinformation or defamation of character, media lawsuits are filed every day for all types of media.

Lawyers’ professional liability from One Beacon covers litigation that may result from ethical or professional misjudgments. This litigation can be initiated by the Bar Association or by a client that is being represented.

Real Estate professional liability covers real estate agents that may be sued due to problems that result with a property that they sold.

Design professional liability is meant to cover those who design products, buildings, or other items that will be used by people. If someone is injured or killed due to a product that did not work correctly, the designer of the product can be held liable and needs insurance protection.

One Beacon Professional Insurance Management Liability Insurance

Managers and management teams are always held more accountable than other employees because they have more responsibility in the direct decision-making process. Management liability coverage from One Beacon comes in a variety of forms.

  • The first product is management liability coverage for not-for-profit organizations. This is a specialized type of coverage because many workers and members of the board at non-profits are volunteers.
  • The second product is management liability for private companies. Private companies need a different type of coverage because they are not regulated by any one organization and they often have shareholders to think about.
  • The third product in the management liability category is management liability for healthcare organizations. This type of coverage is important because, as mentioned above, healthcare facilities and organizations have a greater risk for liability.

One Beacon Professional Insurance might not have the right insurance coverage for your needs, so if you’re looking for an auto insurance policy, simply enter your zip code into the box below and we’ll give you a selection of auto insurance rates from providers in your area.