Our experienced and specialized underwriters and insightful analytical tools offer state-of-the-art insurance products and coverage solutions to outpatient medical facilities and the brokers who serve them.
Coverage Features
- Claims-made professional liability coverage (occurrence coverage available on select classes of business)
- Defense outside the limit
- Punitive damages covered where insurable with most favorable venue wording
- Physical abuse and sexual misconduct coverage
- Coverage for medical directors and employed physicians for direct patient care on a shared or separate limit basis
- Blanket additional insured status where required by contract
- Sub-limits for evacuation expense, HIPAA proceedings, legal/media expense, and patient property loss
- Incident sensitive claims trigger when claims made
- Good Samaritan coverage
Coverage Options
- Professional Liability
- General Liability
- Employee Benefits Liability
- Legal/Media coverage
- Evacuation Expense
- Patient Property Loss
Eligible Risk Classes
- Adult day care centers
- Ambulance/emergency/nonemergency patient transport (air and ground)
- Ambulatory surgery centers
- Behavioral health centers
- Clinical trials
- Community health centers
- Dialysis centers
- Home healthcare
- Hospice
- Imaging/x-ray facilities
- Laboratories
- Occupational medicine clinics
- Pain management clinics
- Pharmacies
- Rehabilitation facilities (drug/alcohol and physical)
- Residential care facilities (adults, MRDD)
- Select social services risks (various forms of counseling, group homes [no medically fragile children], and other risks deemed acceptable)
- Staffing (non-physician medical)
- Telemedicine
- Urgent care facilities and freestanding emergency rooms
Additional Considerations
- $7,500 minimum premium for primary policies
- $7,500 minimum premium (per million) for excess policies
- First dollar, deductible, and SIR options available
Limits
- Primary $1 million/$3 million and higher primary limits available
- $15 million in total capacity
- Separate limits per insuring agreement
- Separate limits per location as needed