- Professional Liability available on an occurrence or claims-made basis
- Loading and unloading of patients is viewed as a professional liability exposure; coverage is automatically provided
- Separate General Liability limits available on occurrence or claims-made basis
- Medical professional employed personnel including Paramedics, Emergency Medical Technicians and Registered Nurses are “insureds” under the policy
- Physician coverages may be included on a shared or separate limits basis with entity (claims-made only)
- Coverage is automatic for Medical Directors’ administrative duties; optional coverage for Medical Director’s patient duties available
- Claims made option includes an “incident sensitive trigger” with prior acts and extended reporting period options also available
- Nose coverage available for those insureds moving from claims-made to occurrence coverage
- Coverage includes international operations as long as claim / suit is filed in the United States, its territories, possessions, or Canada
- Licensed air and ground emergency and non-emergency ambulance services
- Ambulette services with professionally licensed staff
- Municipal ambulance operations
- Primary $1,000,000/$3,000,000
- Excess up to $10,000,000
- General Star or Equivalent New Business Application
- Seven years loss runs
