Coverage Details

Eligible Risks

  • Medical facilities and providers offering health care services within these broad categories:
  • Ambulatory Surgical Centers
  • Behavioral Health and Counseling - outpatient and inpatient
  • Dialysis Centers
  • Home Health Care - skilled medical and personal care services
  • Hospice - home care and inpatient facilities
  • Laboratories providing medical, dental, or other testing and specialty services
  • Radiology and Imaging - including MRI facilities, CT and PET scans, X-ray labs
  • Rehabilitation - cardiac, developmentally disabled, physical/occupational, substance abuse and trauma - including inpatient exposures
  • Treatment facilities for cancer and disease management

 

Limits

  • $5 million capacity for primary Professional and General Liability
  • $10 million in excess capacity
  • Separate towers for Professional and General Liability Coverage
  • Claims-Made and Occurrence coverage available (Occurrence PL for select classes only)

 

Please refer to the actual policy for exact coverage descriptions and limits; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Specialized Protection and Features

  • Broad definition of claim and incident trigger
  • Defense outside the limits of coverage as part of the policy form
  • Punitive damages coverage - most-favorable venue affirmation where permitted by law
  • 60 days of automatic coverage for newly acquired or created entities
  • Vicarious liability coverage for medical services by non-insured practitioners
  • No sexual molestation exclusion in the policy form
  • Broad definition of insured to include volunteers, students, and medical directors (administrative duties)
  • Advertising Injury includes material placed on the Internet
  • Employee Benefits Liability coverage available
  • Hired/Non-owned Auto coverage by endorsement
  • Evacuation Expense sublimit available
  • Legal/Media Expense sublimit available

 

Our Support for Your Cross-selling Opportunities:

  • Management Liability
  • Employed Lawyers
  • Hospital Professional Liability
  • Long Term Care
  • Managed Care E&O/D&O