Miscellaneous Health Care Facilities

Ambulance Program for Air and Ground

The Medical Professional Division offers a program for Air and Ground Ambulance services. This program is available for both emergency and non-emergency operations. Coverage is written on a non-admitted basis through designated wholesale surplus lines brokers.


Coverage Offered

  • Professional Liability on an occurrence or claims-made basis
  • Loading and unloading of patients is recognized as a professional liability exposure under the policy contract
  • 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
  • Physican 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 is available
  • Claims made option includes an "Incident sensitive trigger" with prior acts; extended reporting period options also available
  • Nose coverage available for those insureds moving from claims-made to occurrence coverage
  • Coverage includes international operations, provided claim or suit is filed in the United States, its territories, possessions, or Canada


Eligible Exposures/Risk Appetite

  • Licensed air and ground emergency and non-emergency ambulance services
  • Ambulette Services with professionally licensed staff
  • Municipal Ambulance Operations



  • First dollar, zero deductible coverage available to qualified risks
  • $1M / $3M primary and $5M / $5M follow form excess
  • Standalone first layer excess coverage is also available when written over a carrier with an A.M. Best rating of "A-" or higher
  • Entities can be covered as S"additional Insureds", subject to underwriter evaluation
  • Options available for defense costs wtihin or outside of indemnity limits