Coverages:

• Professional Liability Coverage: Claims Made (Occurrence available for Home Health, Hospice, Nurse Staffing, Ambulance Services, or Outpatient Speech – Occupational – Physical Therapies)
• General Liability Coverage: Claims Made or Occurrence
• Employee Benefit Liability Coverage
• Evacuation Expense Reimbursement
• Legal/Public Relations Expense Reimbursement Coverage including License/Disciplinary Board actions
• HIPAA Violation Reimbursement Coverage
• Scheduled Physician Coverage on a Separate or Shared Limit Basis
• Hired and Non-Owned Auto Liability
• Sexual Misconduct Coverage
• Follow Form Excess Policy with Umbrella Liability Coverage

All coverage is subject to the policy terms and conditions. Optional coverage enhancements may be offered for an additional premium and are subject to underwriter approval.

Policy Coverage Features:

• Incident Trigger
• Deductible: First dollar coverage, optional indemnity-only and non-eroding deductibles available
• Deductibles/SIR’s: Options for first dollar indemnity & expense or indemnity only deductibles.
• Prior Acts Coverage
• Extended Reporting Options: 1, 3 and 5-year options available.
• Independent Contractors
• Newly Acquired Entities
• Defense Expenses in Addition to Policy Limits for Primary placements
• Affirmative Punitive Damages Coverage
• Cyber Liability Supplement Available