Medical Professional Liability Insurance

Coverage Information

Primary Policy Limits – Available up to $2,000,000 per claim.

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

Medical Corporations – Coverage included for solely owned professional medical corporations.

Locum Tenens Coverage – Available for temporary absences from professional practice up to a maximum of 90 days during a policy period.

Worldwide Coverage – Coverage applies for suits brought within the United States, its territories and possessions, or Canada.

Vicarious Liability Coverage – Provided for claims arising out of professional acts or omissions by someone for whom the policyholder is legally responsible.

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.