Miscellaneous Medical Facilities are growing and changing at unprecedented rates…and so are the associated risks. Allied World offers a packaged solution as well as a standalone professional liability product for these varied organizations.
Miscellaneous Medical Facilities Professional Liability
Allied World has evolved and expanded our appetite into the growing Miscellaneous Medical Facility market. Our dedicated underwriting team provides tailored coverage to keep pace with each specialized class of this sector. Our talented team of underwriters, risk managers and claims managers understand the unique exposures and coverage needs of these facilities. Typical classes include, but are not limited to: Counseling/Rehab, Diagnostic/Imaging Centers, FTCA (Federal Tort Claims Act) Clinics, Home Care/Hospice, Medical Labs, Medical Schools, Medical Transport, Organ/Tissue/Blood Banks, Pharmacies, Staffing, Surgical Centers, Treatment Centers and Urgent Care.
- Standard primary limits of $1M/$3M
- Excess or Umbrella limits up to $25M
- Separate limits for both Professional and General Liability available
- General liability coverage includes bodily injury, property damage, products-completed operations hazard, fire damage and personal or advertising injury
- Separate limit for Sexual Misconduct coverage available
- Supplemental payments include medical payments, disciplinary proceedings coverage and reimbursement for lost earnings
- Affirmative coverage for punitive damages, if insurable (most favorable venue)
- Medical Directors coverage included
- Coverage for incidents reported
- Broad definition of insured
- Specific risk management services (often not provided by other companies) included as part of the policy
Allied World Miscellaneous Medical SuiteSM
A Comprehensive Package Solution
Miscellaneous Medical Facilities are growing and changing at unprecedented rates. With more procedures performed and as outpatient services expand, risk exposures increase. Electronic records, contract employment and third-party vendors, patient expectations, fierce competition, and governmental involvement only heighten the level of anxiety and risk.
Allied World Miscellaneous Medical SuiteSM offers combined coverage to address Miscellaneous Medical Facilities exposures:
- Medical Professional for Miscellaneous Facilities
- Privacy Liability and Network Risk coverage
- Management Liability coverage for Directors and Officers, Employment Practices, and Fiduciary exposures.
We believe that our suite of coverages makes buying insurance protection flexible and easy, coordinates coverage to address a variety of needs, and simplifies claims handling in the event of a claim.
We pride ourselves on our robust appetite for many types of Miscellaneous Medical Facilities, including Ambulatory Surgery Centers, Blood Banks, Behavioral Care, Pharmacies, Imaging Centers, Labs, Outpatient Rehabs, Transport, Treatment Centers and Urgent Care Facilities.
- Medical Professional Liability includes coverage for an Insured’s direct and vicarious liability for medical services provided, and a broad definition of “Insured” includes employed physicians. General Liability provides coverage for third party bodily injury and property damage claims, and is offered on an occurrence or claims made basis
- Our Privacy Liability and Network Risk coverage is consistent with standalone cyber policies and differentiates us from competing forms by offering:
- Access to experienced response vendors who notify the breached population, establish a call center, automatically enroll all members of the breached population in identity theft repair services, and provide them with access to triple-bureau credit monitoring services for up to 75,000 individuals
- Coverage for regulatory defense, fines and penalties available up to full Privacy limit
- Turnkey access to the Incident Evaluation Hotline and Breach Consultation services from an industry leading vendor
- Comprehensive Management Liability coverages that include robust Directors & Officers Liability, Employment Practices Liability and Fiduciary Liability protection
- Industry leading Risk Management services included