We've got you covered

Coverage available for individual and group Allied Healthcare practitioners, Dentists & certain specialties:

• Coverage provided on either Claims Made or Occurrence basis
• Defense costs paid in addition to, and not eroding, policy limits
• Primary limits of $1,000,000 per occurrence / $3,000,000 aggregate
• Extended Reporting Period available upon policy termination
• Coverage remains in force 24/7, regardless of employer or employment status
• Worldwide coverage for claims brought within the United States
• Included sublimit for Abuse and Molestation
• Supplementary coverage for:
  • Subpoena Assistance Costs
  • Assault and Workplace Violence
  • Patient First Aid Medical Expenses
  • Proceeding Expense Reimbursement
  • Licensure Defense Expenses
  • Service to Animals Property Damage
• Professional services broadly defined to include:
  • Good Samaritan acts and emergency services
  • Placement services
  • Formal review board and peer review committee activities
  • Student coverage while enrolled in an accredited healthcare program
• Optional coverage for:
  • HIPAA Proceedings
  • Media Expenses
  • Consulting Services Liability
  • Case Management Liability

Coverage available for Miscellaneous Medical Facilities:

• Coverage provided on a Claims-Made basis
• Defense costs within policy limits with option for defense outside
• Primary limits of $1,000,000 per claim / $3,000,000 aggregate 
• Extended Reporting Period available upon policy termination 
• Worldwide coverage for claims brought within the United States
• Punitive damages covered where insurable by law 
• Automatic coverage for allied clinical professionals (RN, LPN, CNA, CRNA, NP, PA, and other licensed practitioners) without individual scheduling 
• Supplementary coverage for:
  • Patient Loss of Personal Property
  • Evacuation Expense (transport and lodging of residents/patients)
  • Public Relations and Legal Expense, including: 
    • Licensure and disciplinary proceedings
    • Elder abuse and resident privacy investigations
    • Third-party notification and credit monitoring costs
    • Media consultant fees
• Professional Services broadly defined to include:
  • Medical care, treatment, and counseling
  • Dispensing of medications, drugs, blood products, and medical supplies
  • Peer review and accreditation board activities
  • Quality assurance activities on behalf of the Named Insured
  • Post-mortem examinations
• Optional coverage for:
  • Products-Completed Operations Hazard
  • Abuse and Molestation

Coverage available for individual Allied Healthcare practitioners, Dentists, and certain specialties:

• Coverage on an Occurrence basis for claims arising from occurrences at the insured's workplace
• Defense costs in addition to applicable limits
• Coverage for:
  • Bodily Injury and Property Damage Liability at the workplace
  • Personal and Advertising Injury Liability for offenses committed at the workplace
• Fire and Water Legal Liability sublimit for property damage caused by:
  • Fire
  • Discharge, leakage, or overflow of water or steam from plumbing, heating, refrigeration, or air conditioning systems
  • Rain or water intrusions through openings in the building
• Non-Patient Medical Expenses Supplementary Benefit, payable regardless of fault for accidental bodily injury at the workplace
• Contractual liability coverage for insured contracts
• Supplementary Benefits:
  • Proceeding Expense Reimbursement (travel, lodging, meals, and wage loss for attendance at trials, hearings, depositions, mediations, or arbitrations involving a covered claim)
  • Non-Patient Medical Expenses, payable regardless of fault for accidental bodily injury at the workplace

Coverage available for group Allied Healthcare practitioners, Dentists, and certain specialties:

• Coverage on an Occurrence basis
• Defense costs in addition to policy limits
• Primary limits of $1,000,000 per occurrence / $3,000,000 aggregate
• Separate Products-Completed Operations aggregate
• Worldwide coverage for claims brought within the United States
• Coverage for:
  • Bodily Injury and Property Damage Liability
  • Personal and Advertising Injury Liability (false arrest, defamation, wrongful eviction, privacy offenses, and advertising injury)
  • Non-Patient Medical Expenses Payment, regardless of fault
• Broad Insured definition includes:
  • Named insured entity and its employees
  • Officers, directors, executive officers, and partners
  • Partnerships, joint ventures, and LLCs designated in the declarations
  • Newly acquired or formed entities (automatic 30-day coverage upon written notice)
• Contractual liability coverage for insured contracts
• Damage to Rented Premises sublimit covering fire and short-term rental property damage
• Supplementary Benefit:
  • Proceeding Expense Reimbursement (travel, lodging, meals, and wage loss for attendance at trials, hearings, depositions, mediations, or arbitrations involving a covered claim)

Coverage available for Miscellaneous Medical Facilities:

• Coverage on an Occurrence basis with option for Claims Made
• Defense costs within policy limits with option for defense outside
• Primary limits of $1,000,000 per occurrence / $3,000,000 aggregate
• Worldwide coverage for claims brought within the United States
• Included sublimits for:
  • HIPAA Violation fines and penalties (government-issued proceedings only)
  • Personal and Advertising Injury
  • Fire Damage to Rented Premises
• Broad Occurrence definition covering:
  • Accidental Bodily Injury and Property Damage
  • Personal Injury offenses (false arrest, malicious prosecution, wrongful eviction, defamation, privacy violations)
  • Advertising Injury offenses
• Optional coverage for: 
• Products-Completed Operations

With in-house clinical expertise across a number of nursing and medical disciplines, we quickly assess each case, robustly defending unmeritorious claims and efficiently settling valid ones. This strategy minimizes costs and protects our clients’ interests.