Insurance Products

Medical Professional Liability Coverage for Hospitals and Health Care Facilities

Our medical professional liability policy for hospitals and health care facilities offers broad coverage. When coupled with our other products, it offers a health care facility the flexibility to meet its insurance needs in an everchanging health care environment. In addition to innovative and flexible coverage, our policy provides clients with the opportunity to access personalized, progressive risk management and responsive claim services at no additional cost.

• Deductibles — Our policy deductible allows you to pay the first dollars of a claim and to pay a lower premium for assuming this risk. Deductibles may apply to the costs of an award/settlement only or to both an indemnity payment and claim expenses. You will be responsible for payment of the deductible once the claim is settled.
• Extended Reporting Period Endorsement “Tail” Coverage — Coverage that protects against claims arising from professional services performed while this claims-made policy was in effect but reported after termination of the policy.
• General Liability Coverage — Protection for bodily injury, property damage, hazardous waste, pollution and personal injury claims.
• Locum Tenens Coverage — A temporary replacement for an insured individual during the individual’s time away from practice.
• Retroactive (Prior Acts) Coverage — Protection for events that occurred while a previous claims-made policy or policies were in effect, but were not reported until after that policy was terminated. With retroactive coverage, the new policy covers such claims and purchase of tail coverage from the previous carrier is not necessary.
• Sexual Abuse Liability — Coverage providing protection to policyholders for alleged acts of sexual abuse committed by an insured person.
• Stop Gap Liability — Coverage for liability not already covered under workers’ compensation, unemployment, and disability benefits law (Washington only).

With the purchase of our medical professional liability policy, WCC policyholders can enhance their protection with these coverage options and products for an additional fee:

• Directors and Officers Liability — Insurance for wrongful acts by directors and officers and all other employees of the policyholder for which the policyholder or the directors and officers are legally obligated to pay.
• Employee Benefit Liability — Protection against claims for negligent acts, errors, or omissions arising from the administration of employee benefits programs, such as life insurance, profit sharing, pensions, etc.
• Employment Practices Liability — Protection from allegations arising from employment-related claims: wrongful termination, employment discrimination, sexual harassment, retaliatory treatment and breach of any oral or written employment contract.

For more information on our insurance products and services, please call (800) 772-1201 or e-mail us today!