The Allied Health Medical Professional Liability product is designed to meet the coverage needs of more than 300 classes of health care entities and workers. Today, patients are more likely to receive medical care from an allied health care specialist than a physician, surgeon or dentist. The field of allied health care is expanding at a rapid pace with more than 60 percent of the total health care workforce providing a range of diagnostic, technical, therapeutic and direct patient care services. Protective Specialty has a broad appetite with up to $5,000,000 in capacity on both a primary and excess basis.
Target Classes |
- Adult day care
- Ambulance services (auto and air)
- Anti-aging clinics and spas
- Blood banks
- Chiropractic services
- Clinical trials
- Counseling services
- Certified registered nurse anesthetist (CRNA)
- Dental services
- Drug/alcohol services
- Durable medical equipment/goods
- Eye care services
- Fertility services
- Home health care services
- Hospice services
- Hyperbaric services
- Imaging services
- Laboratory services
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- Lithotripsy
- Medical clinics
- Medical students
- Medical training/medical schools
- Organ/tissue banks
- Paramedics/EMT
- Pharmacy services
- Physical exams/assessments
- Physical therapy services
- Prosthetics/orthotics
- Psychiatric services
- Psychologists
- Social services
- Staffing services
- Surgical centers
- Utilization review/case management
- Veterinarian services
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Available Coverage
- Professional liability is written on a claims-made policy form
- General liability is written on an occurrence policy form (ISO based)
- Excess liability is written on a follow-form basis
- Policies are written on a non-admitted basis, except in Indiana
- Coverage territory is worldwide provided the claim is made in the U.S. or Canada
Coverage Highlights
- Incident-sensitive trigger for professional liability
- Broad definition of insured
- Broad definition of medical professional services
- Automatic coverage for:
- Medical director while performing administrative duties
- Independent contractors and volunteers
- Disciplinary proceedings and expense reimbursement
- Good Samaritan acts
- Sub-limited coverage for defense costs available for sexual misconduct and HIPAA
- Hired and non-owned auto coverage is available
- Free pre-claim assistance from Wilson Elser Moskowitz Edelman & Dicker, LLP, a highly regarded insurance defense firm
Limits, Deductibles and Premiums
Limits available: $5,000,000
Minimum deductible: $2,500
Minimum premium: $2,500
Geographic Coverage
- Surplus coverage available in all states
- Admitted coverage available in Indiana
- Coverage not available in Rhode Island
Submission Requirements
A complete Allied Health Medical application including loss runs and supplements is required to quote. A Protective Specialty Allied Health Medical application and supplements that are signed and dated by the insured are required to bind.
Please send all submissions to: Submission@Protectivespecialty.com
Forms
Professional Liability Policy
Professional Liability Declarations Page
Allied Health Application
Supplemental applications available on our Documents page
Product Brochure
Contact
Daniel Carreras
P (317) 452-7481
dcarreras@protectivespecialty.com
Additional Contacts