Medical Facilities

Experienced and specialized underwriters and insightful analytic 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
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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

  • $5,000 minimum premium for primary policies
  • $5,000 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