Consent to Settle
The insured has full consent to settle a claim and we will not settle any claims without the consent of our insured.
Death Disability & Retirement Tail
The Insured will be provided an extended reporting event they die, become disabled or retire from the practice of medicine during the policy period. The retirement provision has no minimum age requirement but does require the insured to be insured with the company for 5 consecutive years
Administrative Proceedings Amendatory Endorsement
The insured will be provided legal defense from any state medical board investigation. The company will defend the investigation until resolution or up to $25,000 of defense costs. No fines or penalties are covered under this policy
This policy is non-assessable and the Company does not have the right to assess a policyholder for additional amounts to make up shortfalls in the cost of operating the company.
Cyber Liability Coverage
Emed – A cyber liability insurance solution that offers a comprehensive suite of data security and privacy insurance solutions customized to the unique needs of healthcare professionals.
Medefense – A uniquely effective insurance solution for healthcare providers facing the challenges of Medicare and Medicaid billing audits and investigations.
Locums Tenens Coverage
The insured may assign a locum tenens provider for up to 30 days per policy period.
Prior Acts Coverage
The company offers full prior acts coverage
The employees of the Named Insured are provided coverage while providing services on behalf of the Named Insured. This does not include any employee with an advanced medical degree (i.e. ARNP, PA, CRNA, CNM, etc.)
The insured may add coverage for a corporation on a shared or separate limits basis, subject to underwriting
The insured may add coverage for an additional insured on a shared or separate limit basis, subject to underwriting
Terminated Physicians Endorsement
Coverage will be provided for departing employees
for the time period they worked for the primary insured as long as the policy remains in force.