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
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