Medical Professional Liability Insurance

Coverage Information

Policy Limits – Individual professional liability coverage limits available of up to $2,000,000 per claim.

Broad Definition of Insured – Shared coverage provided for all non-dental employees, students and volunteers while acting within their scope of duties; separate limits offered for an additional premium.

Partnership and Corporation Professional Liability Coverage – Separate coverage available as needed.

Locum Tenens Coverage – Available for temporary absences from professional practice.

Vicarious Liability Coverage – Included on individual policies.

Consent to Settle – Coverys will not settle a claim or suit without the named insured’s written consent, where approved.

Professional Conduct Review Coverage – Provides reimbursement of up to $25,000 for legal defense costs for licensing board matters and associated investigation activities arising out of professional services rendered to a patient.

Sexual Misconduct Defense Coverage – Provides reimbursement of up to $100,000 for legal expenses relating to allegations of sexual misconduct of a patient.

First Aid Payment Coverage – Covers up to $5,000 for expenses associated with urgent medical needs such as ambulance or hospital services.

Cyber Liability and Protection Plus Coverage – Coverage for data security and privacy incidents, regulatory or commercial payor audits, as well as electronic crime incidents. Coverage includes access to experienced attorneys and legal resources which specialize in handling such incidents throughout the claim lifecycle and also includes comprehensive risk management support. A $50,000 aggregate limit is provided at no extra cost with flexible, increased limit options available for an additional premium. 
Read More: Cyber Liability and Protection Plus Coverage

Extended Reporting Period Coverage – Free endorsement for an extended reporting period (also known as “tail” coverage) is available in the event of death, disability and retirement; for a retirement tail, certain eligibility requirements may apply.

Commercial General Liability Coverage – Optional coverage is available for commercial general liability coverage with your medical professional liability protection.  This coverage protects insureds against liability for bodily injury or property damage arising out of an insured’s premises, operations and personal and advertising injury. Additionally, payment of related medical expenses is included regardless of fault.