- Professional Liability on a claims-made basis:
- Non-physician employees are “insureds” under the policy
- Coverage is automatic for Medical Directors’ administrative duties; Optional coverage for Medical Director’s clinical duties available
- Coverage is available for physicians engaged in clinical patient care services
- Standard form has “incident trigger”
- Prior acts and extended reporting periods available
- Options available for defense costs within or outside of indemnity limits
- Management Service Organizations and other entities can be covered as “Additional Insureds”
- General Liability may be included on an occurrence or claims-made basis
- Stand-alone first layer excess coverage is also available when written over a carrier with an A.M. Best rating of “A-” or high
- Aesthetic / Cosmetic
- Alternative / Complementary Medicine
- Nutritional Counseling
- Preventative Medicine
- Stress Management
- Weight Management
Ineligible Exposures
- Spas without a physician Medical Director
- Non-FDA-approved treatments
- Primary $1,000,000/$3,000,000
- Excess up to $10,000,000
- General Star or Equivalent New Business Application
- Seven years loss runs
