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Medical Malpractice

Medical Malpractice, also often called Medical Professional Liability, is a must for every health care professional. A Medical Malpractice claim is filed every 43 minutes, which shows the urgency needed in being covered at all times for this eventuality.

CSRisks will evaluate the total insurance needs of each health care professional to help you adequately insure even the toughest Health Care risks. This will include recommendations for additional coverage(s) that may be needed for Cyber Liability, Employment Practices Liability, Directors & Officers Liability and other possible liabilities that all need to be considered. CSRisks provides all your needs from one simple source.

Through the relationships CSRisks’ expert staff has fostered writing medical risks for over a decade, you will have access to less common markets and more options not available through other brokers.

doctors

Allied Healthcare

Allied Healthcare Liability provides protection to individuals who work under the direct or indirect supervision of doctors, surgeons, and dentists. These individuals and entities need financial protection from their professional negligence in administering patient care which results in bodily injury to a patient.

Coverage Classes

Ambulance Services – Emergency and Non-Emergency
Assisted Living Facilities and Long Term Care
CRNA/CRNA Staffing
Diagnostic Imaging and X-Ray
Home Health Care
Locum Tenens
Medical Clinics
Medical Directors
Medical Labs
Medical Marijuana Clinics
Medical Spas
Mental Health Clinics
Nurse Staffing Agencies
Pharmacies (including Compound)
Social Services
Teleradiology

Policy Highlights

Medical Professional Liability (Occurrence Form Available on Certain Classes)
Medical General Liability (Occurrence or Claims Made)
Business Personal Property (Available on Certain Classes)
Defense of Licensing and Subpoena Assistants
Defense Outside the Limit
Employee Benefits Liability
HIPAA
Hired and Non-Owned Automobile Liability
Independent Contractors as Insured’s
Medical Director included for Administrative Duties
Personal Injury to include Personal and Advertising Injury
Privacy and Security Liability
Sexual Abuse and Molestation
First Dollar Defense

Limits: $250,000 Each Claim/$750,000 Aggregate up to $3M Each Claim & $6.45M Aggregate

No State Restrictions

Ambulance Services

ambulance

Coverage Classes

Air and Ground Emergency Transport
Non-Emergency Transport
EMT’s and Paramedics

Policy Highlights

Medical Professional Liability
Medical General Liability

Optional Coverage Enhancements

Occurrence Form
Coverage for Loading and Unloading
Volunteers as Insureds
Hired and Non-Owned Automobile Liability

Claims Example:

While at home a patient suffers a neck injury that restricts blood flow to the brain. The patient’s spouse calls 911. The ambulance takes 15 minutes to arrive. The ambulance takes the patient to the hospital, where surgery begins almost an hour after the onset of the problem. The patient survives, but with severe brain damage. According to expert medical witnesses retained by the patient’s attorney, if the surgery had started within 20 minutes of the 911 call, the patient would likely have made a full recovery. This case was settled for $1M with the ambulance services paying $350,000 in indemnity and $63,895 in defense expenses.

Behavioral Health

Behavioral Health is the field of medicine devoted to helping people overcome or manage stresses and make positive healthy choices.

Coverage Classes

Counseling
Mental Health
Substance Abuse
Sleep Disorders
Workers Compensation and Disability Evaluations

Policy Highlights

Medical Professional Liability
Medical General Liability

Optional Coverage Enhancements

Package Policy Available
Occurrence Form Available

Claims Example:

A mental health counselor began an inappropriate relationship with a client. He began revealing personal information about himself to the client that had no therapeutic value and encouraged the client to meet him for a social engagement outside the office. A sexual relationship emerged while he was still offering the client counseling sessions. When the client discontinued the counseling sessions, the counselor failed to assist her in obtaining another counselor. Because the counselor breached clinical, ethical and legal standards of care, the plaintiff’s attorney initially sought $500,000. However, the case was settled out of court for $150,000 plus an additional $11,780 paid in legal costs.

Clinics

A clinic is a facility that is devoted to diagnosis and care on an outpatient basis.

Coverage Classes

Abortion
Mental Health
Urgent Care
Walk-In
Community Health Center

Policy Highlights

Medical Professional Liability
Medical General Liability

Optional Coverage Enhancements

Physician included as Insured
Vicarious Liability for Physician
Defense Outside the Limits
Sexual Abuse and Molestation

Claims Example:

A 5 year old female was presented to an urgent care facility with a fractured arm. The PA administered an amount of lidocaine to the patient that was meant for an adult male. Patient became unresponsive at the facility and later died at the hospital. Indemnity paid: $1M. Expenses Paid: $15,987.

Home Health Care

Home health care is a wide range of health care services that can be given in a patient’s home for an illness or injury.
doctor

Coverage Classes

Companion Sitting
Durable Medical Equipment
Hospice
Intravenous Therapy
Personal Care
Rehabilitation
Skilled Nursing
Medical Staffing

Policy Highlights

Medical Professional Liability
Medical General Liability
Hired & Non-Owned Automobile Liability
Commercial Property Coverage

Optional Coverage Enhancements

Occurrence Form Available
Abuse and Molestation up to Full Limits
Employee Dishonesty Coverage that includes Client Property
Vicarious Liability for Physicians
Primary Professional Liability for Physicians
Admitted Coverage

Claims Example:

A home health care professional was visiting an at-home client. The client fell while the caregiver was assisting the client to access and negotiate the use of the restroom. The caregiver reportedly was positioning a wheelchair for the client; the client stood up from using the restroom, lost balance and subsequently fell to the floor. The client sustained a serious hip fracture and now required around the clock care. Indemnity paid $187,329. Defense costs paid $33,563.

Long Term Care Facilities

Long-term care is a variety of different personal and household services for people who cannot care for themselves. These services range from basic help with daily activities at home like bathing or dressing to care in a nursing home or assisted living facility. The need for care could be the result of injury from an accident, or it could relate to a chronic illness like Multiple Sclerosis or Alzheimer’s Disease.

Coverage Classes

Assisted Living Facilities (ALF’s)
Continuing Care Retirement Community (CCRC’s)
Independent Living Facilities (ILF’s)
Residential Care Facilities for the Elderly (RCFE)
Skilled Nursing Facilities (SNF’s)

Policy Highlights

Medical Professional Liability
Medical General Liability
Hired & Non-Owned Automobile Liability
Commercial Property Coverage
Employee Benefits Liability

Optional Coverage Enhancements

Occurrence Form
Admitted Coverage
Emergency Evacuation
Beautician and Barbers
Legal Media
Sexual Abuse and Molestation

Claims Example:

Alzheimer patient wandered away from an Assisted Living Facility that was supposed to have a locked ward for patients at risk of elopement. Patient was found three days later deceased in the woods. Indemnity Paid: $500,000. Defense Costs Paid: $27,623.

Medical Spas

A medical spa is a hybrid between a medical clinic and a day spa that operates under the supervision of a medical doctor. Medical spas can treat conditions on your face and body like brown spots, redness, and broken capillaries that cannot be treated at all or as effectively by a traditional esthetician.

Medical spa menus vary, but you usually see procedures like laser skin treatments, injectables (botox and dermal fillers), chemical peels, and cellulite treatments.
stethoscope

Coverage Classes

Anti-Aging Facilities
Day Spas
Massage Therapy
Medical Spas
Resort/Hotel Spas
Salons
Tattoo Parlors

Policy Highlights

Medical Professional Liability – Claims Made Form
Medical General Liability – Claims Made or Occurrence Form
Business Personal Property

Optional Coverage Enhancements

Individual Coverage Available
Physician included as Insured
Medical Director included for Administrative Duties
Incident Sensitive Claims Trigger
HIPAA
Sexual Abuse and Molestation

Claims Example:

Patient went to a Medical Spa for laser hair removal on the upper lip. Patient received third degree burns and will be permanently scarred. Indemnity paid: $250,000. Defense Expense Paid: $13,785.

Pharmacies

A pharmacy is a store where medicinal drugs are dispensed and sold. Medical advice may be given by a Pharmacist or Technician.

Coverage Classes

Retail
Wholesale
Compounding
Academic
Hospital

Policy Highlights

Medical Professional Liability – Claims Made Form
Medical General Liability – Claims Made or Occurrence Form
Products Liability

Optional Coverage Enhancements

Pharmacist Liability
Defense of Licensing
Defense Outside the Limits

Physicians/Surgeons/Dentists

ambulance

Coverage Classes

Bariatric Medicine
Pain Management
Plastic Surgeon
Family Practice
General Surgery
Anesthesiologist
Emergency Medicine
Internal Medicine
Obstetrics and Gynecology
Oral Surgeon
Orthopedic Surgeon
Pediatrician
Psychiatrist

Optional Coverage Enhancements

Employees included as Insureds
Entity Liability
Peer Review
Disciplinary Proceedings
Defense of Licensing
Medical Director Coverage
Stand Alone Tail

Limits: $250,000 Each Claim/$750,000 Aggregate up to $3M Each Claim/$6.45M Aggregate

State Restrictions: NY, KS, WI, IA, NE

Capitol Special Risks is a Professional Liability wholesale provider. The coverages, highlights, and enhancements represented are indications of market availability through CSRisks, but are not guarantees of coverage offerings. Please refer to the actual indications, specimen forms, and endorsements for complete terms and conditions.