Medical Professional Liability

Medical Professional Liability insurance is one type of professional liability insurance which protects physicians and other licensed health care professionals (e.g., dentist, nurse, chiropractor) from liability associated with wrongful practices resulting in bodily injury, medical expenses and property damage, as well as the cost of defending lawsuits related to such claims. A Medical Professional Liability insurance policy covers bodily injury or property damage, as well as liability for personal injury, such as mental anguish.

Medical Malpractice lawsuits are very complex and most times take many months to years of investigation to identify negligence. Medical Professional Insurers spend large sums of money to investigate and defend a claim when they believe their insured was not negligent.

Our experience, relationships and expertise within the Medical Professional liability class have enabled us to become one of the premier sources for the coverage.

We offer this coverage for the following industries and classes:

Health Care

Doctors
Nurses
Dentists
Chiropractors
Licensed Health Care Professionals
Licensed Professionals prescribing medication
Urgent Care Centers
Outpatient Medical Facilities
Long Term Care Facilitates
Counseling Services
Drug/Alcohol Services
Home Healthcare Service
Laboratory Services
Medical Clinics
Organ/Tissue Banks
Physical Therapy Services
Psychiatric Services
Senior Day Care
Surgical Centers
Other Classes Available

Social Services

Construction & Contractors

Automotive Equipment/Parts
Consumer Products of All Types (Including Toys)
Food Processing & Distribution
Heavy Machinery, Equipment & Tools
Invasive & Non-Invasive Medical Products
Pharmaceuticals (Including Clinical Trials)
Recreational & Safety Equipment
Sporting Goods
Valves & Boilers
Vitamin & Nutritional Supplements

Public Entities

Community Based Organizations
Counties
Dam Operations
Higher Education Institutions
Joint Power Authorities or Similar Pooling Arrangements
Municipalities
Religious Organizations
School Districts
Special Districts
Transit Districts (Including Light Rail Exposures)
Utilities
Recycling Facilities

Construction & Contractors

Automotive Equipment/Parts
Consumer Products of All Types (Including Toys)
Food Processing & Distribution
Heavy Machinery, Equipment & Tools
Invasive & Non-Invasive Medical Products
Pharmaceuticals (Including Clinical Trials)
Recreational & Safety Equipment
Sporting Goods
Valves & Boilers
Vitamin & Nutritional Supplements

This product offers the following features:

Coverage Highlights

Claims-Made policies cover claims for incidents that occur while your policy is in effect and are also reported while your policy is in effect.
Occurrence policies cover claims arising during your policy period irrespective of when the claims are reported
Extended Reporting Coverage (Tail)
Prior Acts Coverage (Nose)
Written on a surplus lines bases in states that don’t require an Admitted form.
Consent to Settle Provision
Incident Reporting Provision
Flexible Deductibles
Peer Review Protection Coverage – First Dollar Coverage
HIPAA Sublimit – First Dollar Coverage