Eligible Risks
Eligible risks must have a definite medical or treatment component. Within each risk class, various criteria will apply. Discuss your particular risk with your Healthcare Account Executive for details.
State Availability
All States
Minimum Premium
None
Form, Extensions & Special Endorsements
We offer professional liability, general liability and umbrella coverages. We typically sell claims made form, but for certain risks may be able to offer an occurrence form.
There are many extensions or endorsements depending on carrier, class of business, and quality of the risk. These may include: prior acts coverage; ERP or "tail" coverage; additional insureds; and, in some cases, we can cover the employed physicians under the facility policy.
Exclusions
Exclusions vary depending on carrier, class of business and quality of the risk.
Limits
The standard primary limit in most states is $1,000,000 per claim / $3,000,000 aggregate. However, we can often offer lower primary limits, again, depending on carrier, class, quality, and venue. We can also work in most PCF or Fund states where the state may have a law mandating a different set of primary limits.
Deductible / Self Insured Retention
We offer both first-dollar and deductible quotes, depending on risk characteristics.