General Star offers a program for Air and Ground Ambulance services. This program is available for both emergency and non-emergency operations. Coverage is written through designated surplus lines brokers.*

Coverage Offered

• Professional Liability on an occurrence or claims-made basis
• Separate General Liability limits available on occurrence or claims-made basis
• Medical professional personnel including Paramedics, Emergency Medical Technicians and Registered Nurses are “insureds” under the policy
• Loading and unloading of patients is recognized as a professional liability exposure under the policy contract
• Coverage is available for physicians on a shared limits basis
• Coverage is automatic for Medical Directors’ administrative duties. Optional coverage for Medical Director’s patient duties available
• Incident sensitive trigger
• Prior acts and extended reporting period options available
• Coverage includes international operations provided claim or suit is filed in the United States, its territories, possessions, or Canada
• First dollar, zero deductible coverage available to qualified risks

Eligible Exposures/Risk Appetite

• Licensed air and ground emergency and non-emergency ambulance services
• Ambulette Services
• Municipal Ambulance Operations
• Qualified start-up ambulance operations

Limits

• $1,000,000/$3,000,000 primary and $5,000,000/$5,000,000 follow form excess; higher limits available through facultative placement
• Defense costs in addition to limits of liability option available
• Entities can be covered as “Additional Insureds” subject to underwriter evaluation
• Minimum ambulance program premium is $10,000