We cover individual psychiatrists, psychiatric groups, and facilities in California, Hawaii, Idaho, and Alaska. Additionally, we offer policy limits up to $5 million for each claim/$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.
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.