Why BCx


To benefit our members, BCx will provide a stable and cost-effective source of appropriate insurance and risk management services.


As a premier insurance company focused on blood, organ and tissue facilities, we will protect and support our members in their pursuit of business excellence.

Strategic Initiatives

  1. We will lead the industry in underwriting insurance for blood, organ and tissue facilities.
  2. We will provide superior claims management services and help our members to maximize the benefits of their loss control efforts.
  3. We will provide our members rates that are stable and cost-effective over the long term.
  4. We will continuously improve our products and services to meet the evolving needs of our members and their affiliated organizations.
  5. We will provide transparency by annually developing and communicating our goals in customer satisfaction, process efficiency, financial performance and growth innovation.


BCx policyholders are its owners who enjoy a return on investment, sharing in both profits and cash distributions.

Risk Management Benefits

BCx policyholders have access to our exclusive two day risk management conference and to unique risk management tools specifically designed for blood centers.

Stability of Cost and Limit Capacity

BCx is designed to provide a reliable source of insurance coverage to blood centers, regardless of commercial market conditions. This improves our member’s budgetary stability.

Claims Management Capabilities

Western Litigation ("WLI") has expertise with significant clinical and industry expertise. WLI has managed over 200,000 healthcare professional liability matters in its 27 year history. WLI's nationwide presence provides it with exposure to the most current trends in the healthcare professional liability marketplace and allows it to leverage litigation services for its clients.

WLI is available, by telephone, to provide both advice and reasonable investigative services for owner/insureds (e.g. locating previous donors) regardless of whether the issue relates to a potential BCx claim.

WLI works with you to maintain donor relations and case management. Currently, if you have a situation with an unhappy donor or the possibility of a lawsuit, what do you do? With BCx, you call us to do the work so you can better manage what you do best!

Insurance and Risk Consulting

In addition to managing our daily operations, MCM provides consulting to owner/insureds on items such as:

  • Contractual language in hospital agreements, testing agreements and leases.
  • The BCx policy coverage form and how it relates to blood center operations.
  • How the BCx coverage ties in with other insurance purchased by your blood center.

Deductible Costs

Western Litigation's services include helping our members manage claims within their deductible. What happens when you have a claim below your deductible? What happens during the initial period of the claim before your deductible is met?

The BCx owner/insureds are convinced claims settle earlier and at less cost to them within their deductible.

Management of Legal Expenses

On many occasions legal defense costs are reduced as BCx works to bring the majority of suits to a resolution directly with the attorneys.

When an attorney needs to be hired or outside investigation is needed, these expenses are charged against your deductible. BCx believes that our efforts to hold down these expenses are a part of why our program is so successful.

BCx strives to develop a relationship with defense attorneys of your choosing. Where possible, BCx will seek to honor your request to use your own attorney.

Risk Management Programs

Does your insurance company specialize in insuring the risks of your industry? Does it conduct risk management seminars and provide other risk management services specific to your blood center operations?

A goal of the BCx Risk Management Program is to reduce claim frequency and severity for our owners/ insureds.

It is hard to place a dollar value on claims that don't happen. Since its inception, BCx has paid out less than 25% of our gross premiums to third party claimants. That success has been reflected in stable insurance premium rates and increased program assets benefiting owner/insureds.