Policy Highlights

Hospital Professional Liability

First Dollar Coverage

Deductibles Available:

• Indemnity only
• Indemnity and expense

Claims Made Policy Form

Insureds: employees, volunteers, directors & officers, committee members, and students

Coverage can be added for contracted allied health professionals, physicians and surgeons, CRNAs, midwives, medical students, dentists, podiatrists and osteopaths

Administrative capacity – medical directors

Automatic 90 days for newly acquired or formed entities

Reporting Endorsement can be purchased on an annual basis

Medical staff administrative capacity, peer review and credentialing

Coverage Trigger – written notice by the insured that a claim has been made or circumstances involving an injury that may lead to a claim

Rating base:  occupied beds, visits, physicians (FTE’s) by specialty

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Physician & Surgeons Professional Liability

Eligibility: Sponsored Physicians and Surgeons

Claims-Made coverage form

First dollar coverage

Coverages available for:

• Individual professional liability
• Partnership, corporation or professional association professional liability
• Employees
• Allied healthcare providers
• Office premises liability
• Personal injury liability
• Office premises medical payments

Locum Tenens coverage available

Part-time coverage available

Extended reporting endorsement available to be purchased on an annual basis

Free extended reporting period for death/disability

Free extended reporting period for retired insureds over 65 years old and following five years as a named insured

Free cyber coverage

Deductibles available

Defense costs outside the policy limits

Rating Base: FTEs (full time equivalencies) by specialty; per patient rating for emergency room/urgent care groups

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