Insuring Your Business
INSURING YOUR BUSINESS
We offer numerous solutions for many types of healthcare facilities seeking strong, smart liability protection. This includes a wide range of healthcare facilities, such as Nursing Homes, and centers dedicated to ambulatory surgery, MRI, Sleep, Rehabilitation, Dialysis, Cancer Treatment and LTAC’s(Long Term Acute Care).
Our deep knowledge of the medical industry allows us to provide coverage and services that can more effectively, and competitively, address the unique risks of these facilities Our experience advantage allows us to share information on potential losses and claims trends with our policyholders.
Coverage Highlights
Our dedicated industry experts work with the full range of Property and Casualty insurance lines, including:
• Healthcare/Hospital Professional and General Liability
• Nursing Home Professional and General Liability
• Miscellaneous Healthcare Facility Liability
• Managed Care Errors and Omissions
• Managed Care, Provider, and Employer Excess of Loss (Stop-Loss)
• Medical Products and Clinical Trial Liability
• Directors & Officers Liability
• Employment Practices Liability
• Billing Errors & Omissions
• Network Privacy/Cyber Risk Liability
• Auto Fleets
• Aviation Liability
Our programs offer a broad, flexible policy form to address the precise requirements of miscellaneous healthcare facilities. We provide:
• Professional liability and general liability coverage
• Limits up to $25 million (limits apply separately to PL and/or GL)
• Prior acts coverage is available
• An extended reporting period (tail coverage)
• Premium discounts for favorable loss history and risk management
• Incident reporting trigger
• Broad sexual/physical abuse entity coverage
Risk Management Services
We also offer policyholders expert risk management services, including:
• Regional seminars and bi-monthly conference calls on key risk issues and educational topics through our providers
• Newsletters on timely risk issues
Examples of our coverage capabilities:
Dialysis Centers: We are a market for outpatient dialysis centers from the single location center to regional chains.
MRI & X-Ray Imaging: We provide programs for organizations that perform X-rays or other routine procedures such as ultrasound, sonography, mammography and angiography. This segment also includes magnetic resonance
imaging as well as specialized radiological invasive procedures involving injection of dyes.
EMT/Ambulance: This segment applies to those organizations providing emergency life support services as well those that offer non-emergency transport services.
Medical Laboratories: Coverage under this class includes not only medical labs but also pathology labs, forensic labs, quality control or reference labs and ocular and dental labs.
Mental/Behavioral Healthcare Facilities: Coverage under this class is offered to centers that provide inpatient mental health and outpatient community health centers.
Outpatient Urgent Care: We can cover outpatient urgent care centers or walk-in clinics staffed by physicians, physician assistants, or nurse practitioners specializing in treating routine medical conditions (flu/cold) and preventive medicine.
Ambulatory Surgery Center (ASC): Freestanding outpatient ambulatory surgery facility offering single or multi-specialty surgery including Urology, Endoscopy, ENT, Bariatric and more…
Rehabilitation facilities: Coverage under this class is offered to centers that provide Physical/ Occupational rehabilitation services, Trauma Rehabilitation and Cardiac Rehabilitation.
LTAC’s: Long Term Acute Care facilities provide services to complex medical patients who have suffered illnesses or injury and require an extended length of stay in an acute care environment. Coverages provided can include: Ventilator Weaning, Telemetry, Laboratory/Radiology, Antibiotic Therapy, Nutritional Assessment and Support. Wound Care, Central Line Management and EEG/EKG/ECHO
Submission Requirements
We can help make the process easy, so that you can compare coverage, cost and service from a variety of our programs.
• A completed and signed application
• Current/historical exposure data
• Information on the expiring program, including the program carrier, limits, retro date, deductible/SIR and premium