Optional Coverage | Group Coverage | Facilities and Laboratories Coverage
We cover individual physicians, physician groups, and facilities in California, Hawaii, Idaho and Alaska. Additionally, we offer liability limits of up to $5 million for each claim with a $7 million annual aggregate.
The costs of defending you against claims are in addition to these limits i.e. the cost of defending you does not reduce your coverage. Higher limits may be available for individual physicians for physician group entities. Contact us for more details and a quote.
Our policy features
We cover you for allegations of damage or injury resulting either from the delivery, or alleged failure to deliver, health care services to patients. Our policy form also affords you coverage when acting as an independent medical examiner and when providing advice or consultation regarding the health of persons who are not patients. Perhaps most importantly, our policies contain a “consent to settle” clause that means we cannot and will not settle a claim against you without your consent.
Defense Coverage for Specified Practice Risks
We offer our policyholders up to $25,000 in legal defense coverage for administrative proceedings or civil lawsuits by the office of the Inspector General; or non-employee claims arising from your practice that allege:
- Unlawful discrimination
- Harassment
- Assault and battery
- Malicious prosecution
Optional Coverage
Prior Acts (Nose) Coverage
Prior Acts Coverage is available to physicians applying for coverage after being continuously insured by another claims-made insurer, and eliminates the need of purchasing reporting endorsement (tail) from your previous insurer. This coverage is subject to approval by our underwriters.
Miscellaneous Business Liability (optional defense coverage)
We offer at an additional cost, legal defense protection, which pays 90% of reasonable legal expenses, up to $100,000 per civil suit or administrative proceeding, with a maximum of $300,000 for all claims reported during a policy year for the following:
- Breach of contract
- Wrongful termination of an employee
- Employment discrimination or harassment
- Wrongful acts or omissions
- Civil claims for assault, battery, false arrest or personal restraint, malicious prosecution or conspiracy
Premises Liability
We can also provide coverage for premises liability, which insures the liability that arises from bodily injury and property damage to members of the public at your professional office premises. This coverage is optional and it does not constitute comprehensive general, business, automobile liability or workers compensation coverage.
Extended Reporting Endorsement (Tail) Coverage
Offered to any policyholder whose policy is canceled or not renewed, tail coverage extends the reporting time for covered claims beyond the life of the policy. Because most malpractice claims and suits are filed months or years after treatment or surgery, tail coverage is an important safeguard. The premium is based on rates in effect when the coverage is offered. There is no premium for policyholders who have been with us for at least five consecutive years and who retire at age 55 or older. Tail coverage is also provided at no cost when a policyholder becomes totally disabled or dies.
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Group Coverage
We have the ability to provide separate entity coverage to your multi-share holder corporation or partnership provided all physician members are insured with us. Discounts are available to groups who meet certain premium and size criteria or who participate in our sponsored loss prevention program.
Interested in group coverage? Request a group estimate.
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Facilities and Laboratories Coverage
We can provide professional liability coverage for health care facilities that are 100% owned by our policyholders, including:
- Community clinics
- Diagnostic outpatient facilities
- Laboratories
- Outpatient surgery centers
- Sleep centers
- Urgent care centers
Interested in facilities and laboratory coverage? Apply now.
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