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With our medical professional liability programs, you get:
Our medical professional liability program that can offer you comprehensive coverage and optional endorsements that address the needs of today's Physician.
With our medical professional liability programs, you'll find a range of options to tailor your policies to your specific risks.
Comprehensive coverage help you meet marketplace needs
Our medical professional liability program includes coverage for:
- hospital professional liability
- physicians, surgeons, and dentists professional liability
- miscellaneous professional liability
- industry standard coverage forms, accurate loss costs, and manual rules as well as a variety of multi state optional endorsements.
The hospital professional liability policy provides:
- coverage to hospitals for liability arising out of acts or omissions in providing professional health-care services
- coverage to employees, including physicians and nurses
- occurrence or claims-made coverage
- emergency room coverage per incident
The physicians, surgeons, and dentists professional liability policy provides:
- individual coverage for a physician's, surgeon's, or dentist's liability for injury to patients arising out of an act or omission in providing or failing to provide professional medical or dental services
- coverage for the partnership, association's, limited liability company's, or corporation's liability
- a separate aggregate limit for each individual named insured physician and a separate aggregate limit for the partnership, association, limited liability company, or corporation
- insurance on an excess basis when used with a hospital professional liability policy
- occurrence or claims-made coverage
New miscellaneous occurrence and claims-made coverage forms provide professional liability coverage for:
- allied health-care providers
- blood banks
- diagnostic testing laboratories
- optometrists
- veterinarians
The new multi state optional endorsements include:
- deductible liability endorsements
- a contractual liability coverage extension endorsement
- extended reporting period endorsements for claims-made policies
New multi state optional endorsements for the physicians, surgeons, and dentists professional liability policy include:
- an additional insured endorsement that extends coverage to include employees
- exclusions for partnership, limited liability company, association, or corporation for risks with only one individual named as an insured
- amendments, such as an endorsement to provide combined aggregate limit of insurance for Coverage A and B
- a consent-to-settle endorsement stating that the insurer will not settle a claim or suit without the consent of the named insured
New multi state optional endorsements for the hospital professional liability policy include:
- an additional insured endorsement covering health-care professionals not employed by the policyholder
- an amendment including separate aggregate limits of insurance for several designated locations
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