Coverages

• Claims-made professional liability

• General liability available on a claims-made or occurrence basis for locum tenens and contract staffing groups
  
  

Target classes

• Physicians, dentists, and podiatrists

• Losses

• Substance abuse

• License issues

• Specialty coverage (alternative healthcare, cruise ships, cutting-edge technology)

• Foreign-trained, first time in practice

• Formerly “bare” or returning to practice

• Locum tenens/contract staffing groups

• Telemedicine (psychiatry/radiology/dermatology)
  
  

Limits of liability per insured

• $1,000,000/$3,000,000 (VA $2,050,000/$6,150,000)
  
  

Policy aggregate

• $15,000,000
  
  

Minimum premiums

• $4,000 physicians

• $3,500 dentists
  
  

Coverage features

• Incident sensitive coverage trigger

• Coverage available in all states where allowed by state surplus lines regulations

• Sever year bilateral extended reporting period

• Supplementary payments for lost earning

• Optional coverage extensions:

• Damages only deductible

• HIPAA monetary penalty reimbursement coverage

• Defense of license coverage

• Defense inside or outside the per claim limit

• Employees included in coverage for the entity

Product sheet

• Medical professional liability