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Hospital Professional Liability
Primary Coverage
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
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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