The Medical Professional Liability Division offers an extensive number of Medical Professional Liability products for Physicians and Surgeons, as well as Miscellaneous Healthcare Facilities. In addition, new products are developed and introduced regularly. Business is accepted from designated wholesale brokers.
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Four types of Data Privacy coverage for its Select and Premier Physicians & Surgeons policies: Breach of Privacy & Security, Governmental Fines & Penalties, Advisory Costs and Data Restoration. This will help doctors to guard their practices from the vulnerabilities arising out of advances in technology. The limit for each of the four types is $50,000, with the exception of Data Restoration ($5,000 limit). An aggregate limit of $50,000 applies to covered Data Privacy damages arising from the same claim. An annual aggregate of $50,000 also applies. The protection is included without additional charge.
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Coverage Offered
Coverage is offered on a non-admitted surplus lines basis for all programs. In addition, The Physician Advantage program is offered on an admitted basis in a number of states.
Risk Appetite
Coverage is offered on a primary basis in all programs. Excess coverage can be offered for most submissions, dependent on risk profile and insured requirements.
Coverage Terms of Note
Professional Liability coverage is provided on a claims-made basis. In the Miscellaneous Healthcare Facilities program, General Liability coverage is offered on both a claims-made and occurrence basis. Policy terms are variable dependent about the given risk profile and terms selected by the insured.
Data Privacy Coverages
Four types of Data Privacy coverage are available without additional charge on Select and Premier Physicians Program policies: Breach of Privacy & Security, Governmental Fines & Penalties, Advisory Costs and Data Restoration. The limit for each coverage is $50,000, with the exception of Data Restoration ($5,000 limit). An aggregate limit of $50,000 applies to covered Data Privacy damages arising from the same claim. |
Target Classes
Physician Programs
Coverage is available for most physician specialties, with the exception of full-time emergency room physicians and those physicians serving in full-time locum tenens capacity. Risk size can range from solo physicians to large group practices. Several different programs are offered to address the coverage needs and risk profile of the physician or surgeon.
Miscellaneous Healthcare Facilities
Coverage is available for wide variety of facilities providing medical care and services, including such classes as surgical centers, ambulance services, medical spas, medical laboratories and retail walk-in clinics. Further information regarding eligible exposures can be found on the Miscellaneous Healthcare Facilities page. |
