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

  • Sober Living Facilities
  • Drug/Alcohol Services
  • Hospice Services
  • Halfway Houses
  • Shelters
  • Adult or Youth Residential Facilities
  • Adult Day Care
  • Foster/Adoption Agencies
  • Speech Therapy
  • Other Classes Available

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

Thrift Store, Shelter, and Transitional Housing

  • Located in Washington
  • Package & Umbrella
  • Premium of $91,000

Credit Monitoring Firm

  • Located in New York
  • Technology & Cyber Liability
  • Premium of $23,571

General Contractor

  • Located in New Jersey
  • General Liability
  • Premium of $59,908

Beverage Manufacturer

  • Located in Georgia
  • General Liability
  • Premium of $33,571

Tract Home Builder

  • Located in Pennsylvania
  • General Liability
  • Premium of $13,708

Boys & Girls Club

  • Located in California
  • Package & Umbrella
  • Premium of $38,438

This product is available in available in: