Medical Professional Liability

Our markets can provide custom designed malpractice coverage for physicians, surgeons, and their assistants, as well as contract staffing groups, locum tenens groups and hard-to-place or specialty practice needs.

For Hospitals & Allied Medical facilities, combined GL and Professional Liability coverage is available, with numerous coverage options designed to address their diverse and varied exposures.

For cases where a traditional medical malpractice policy is not sellable, our markets also offer Medical Legal Expense Reimbursement coverage, which provides expense reimbursement only for legal council chosen by your client or the carrier.

Coverage Highlights
  • Custom-designed coverages for complex risks
  • Occurrence or Claims made coverage
  • Defense inside or outside of limits of liability
  • Extended reporting period options
  • Entity-only coverage, or certain employees are insureds
  • Defense of license coverage
  • Consent to settle with limitation ("soft hammer")
  • Supplemental payment for trial attendance
  • Vicarious liability for named insured for sexual acts
  • Hired and Non-Owned Auto Coverage
  • Per claim limits to $5MM
  • Policy aggregate limits as high as $15 MM
  • Low deductibles, available as indemnity and expense or indemnity only
  • Risk Management Hotline - carrier provided
Medical Professional Legal Expense Reimbursement
  • Reimbursement coverage for legal expenses incurred for:
    • Medical malpractice claim
    • Peer review proceeding
    • License review board proceeding
    • Hospital privileges
  • Prior Acts coverage available
  • Limits from $100,000/100,000 to $500,000/$500,000
  • Defense counsel selection options
Risk Appetite
  • Telemedicine
  • Contract staffing groups
  • Emergency department
  • Hospitalists
  • Correctional medicine
Physicians:
  • Physicians
  • Surgeons
  • Dentists
  • Podiatrists
  • Locum tenens group
  • Social Services
  • Healthcare staffing services and home healthcare providers
  • Hospices
  • Training schools
  • Fertility services
  • Laboratories and medical testing
  • Imaging centers
  • Medi-spas and anti-aging treatment centers
  • Air and ground rescue services
Allied Medical Healthcare Entities - GL & Professional Liability:
  • Occupational Clinics
  • Urgent care Clinics
  • Correctional Facility Clinics
  • Sleep Clinics
  • Walk-In Clinics
  • Retail Health Center
  • Health Department
  • Rehabilitation Clinics
  • Dialysis Clinics
  • Outpatient mental health Clinics
  • Psychologists
  • Chiropractors
  • Acupuncturists
  • Imaging technicians
  • Compounding pharmacists
Allied Healthcare Providers - GL & Professional Liability:
  • Physician Assistants
  • Nurse Practitioners
  • Third or fourth year medical students
  • Certified Registered Nurse Aestheticians (CRNAs)
  • Physical, respiratory, occupational, speech and hearing therapists
  • Assisted living for dementia or memory care
  • Independent or residential care
  • Assisted living
  • Long-term care
  • In-patient rehabilitation
Hospitals & Long-term Care Facilities - GL & Professional Liability:
  • Hospitals with less than 150 beds in non-urban areas
  • Hospitals with nursing homes
  • Skilled nursing with daycare programs
  • Skilled nursing with healthcare staffing services

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