Medical Malpractice Coverage
If you work as an advanced practice or other healthcare professional, medical malpractice (aka "professional liability") coverage insures you against claims of negligence or of making a mistake that caused bodily harm to another. This includes providing you with a lawyer to defend yourself and the funds you can use to pay judgments or settlements.*
AMOUNT COVERED: Typical limits of liability range from $500,000 per claim/$1 million aggregate to $2 million per claim/$6 million aggregate.
Defense Council
If a claim is filed against you, we’ll retain a lawyer for you from our network of defense attorneys specializing in medical malpractice. We’ll also pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs).
Note that these defense costs are outside the limits of your insurance. This means that their services don’t cut into the settlement fees you may need to pay after a ruling.*
AMOUNT COVERED: Provided in addition to your policy’s limits of insurance.
Worldwide Coverage
Your policy applies on a worldwide basis, as long as a claim is brought against you in the United States (which includes any U.S. territories or possessions).*
Good Samaritan Coverage
If you provide medical care to someone outside of your primary work setting and that person files a claim against you, your policy would still apply.*
Sexual Misconduct/Abuse
If (noncriminal) allegations of sexual misconduct are made against you, we’ll retain counsel to represent you and pay defense costs — unless or until the sexual misconduct or abuse is determined to have occurred.*
AMOUNT COVERED: Provided in addition to your policy’s limits of insurance.
Information Privacy Coverage (HIPAA)
If a claim alleges that you violated privacy rules in connection with private health information, we provide you with access to counsel and will reimburse you for costs related to HIPAA proceedings — including relevant HIPAA fines.*
AMOUNT COVERED: $25,000 per policy period.
License Protection
If you’re involved in a licensing board action or proceeding, our policy provides you with legal counsel.*
AMOUNT COVERED: $25,000 per policy period.
Defendant Expense Benefit/Deposition Representation
If we ask you to attend litigation activities (e.g., a deposition), our policy will reimburse you for actual lost wages and any necessary expenses you incur (e.g., travel, meals).*
AMOUNT COVERED: Up to $1,000 per day.
Reputation Coverage
If you face a threat to your professional reputation, we can provide you with a crisis management/public relations consultant to help clear your name.*
AMOUNT COVERED: $50,000 per claim.
Business/General Liability Coverage
The policy applies if someone files a claim against you alleging that your premises or operations caused them bodily injury or harm.*
AMOUNT COVERED: $1 million occurrence/$1 million aggregate.
Medicare/Medicaid Reimbursement Endorsement
If you’re audited by either Medicare or Medicaid, we offer reimbursement for related accountant or attorney costs that result from the investigation or defense of the audit proceedings.*
AMOUNT COVERED: $30,000 for a covered audit and related expenses.