Miscellaneous Medical Liability

Protection against medical professional liability exposures arising out of a wide range of healthcare related businesses, including hard to place risks. If you have an unusual healthcare risk, we can likely find a solution.  

The solution 

• Beazley has been underwriting our Miscellaneous Medical Liability product for over fifteen years and our stability in the market is a reassurance that our team understands the nuances associated with this unique class of business. In addition to providing coverages that are standard in the marketplace for miscellaneous medical professional liability, Beazley policies offer some distinct benefits:  
• Choice of ‘primary,’ ‘duty to defend’ and ‘pay on behalf of’ coverage for smaller risks that do not have access to the necessary claims handling expertise  
• Claims cooperation/indemnification products available for larger risks with either in-house or appointed third party claims handling expertise, and the ability to fund significant self-insured retentions  
• Both insurance and captive reinsurance solutions; these can be primary and/or excess follow form (subject to the underlying terms, conditions  
• and carrier). 

Furthermore, Beazley Misc Med policy provides broad coverage that includes:  

• A modular policy form that allows the Insured to choose a combinations of healthcare professional liability, sexual abuse liability, general liabilityproducts/completed operations liability, clinical trial liability and E&O (financial loss) coverages  
• Excess/umbrella policies including auto, and employer’s liability  
• Coverage for employed and contracted physicians 
• Separate towers of liability 

Coverage on a 100% or quota-share basis 

Up to $25,000,000 limit capacity/$25,000 minimum premium 

In addition to providing coverages that are standard in the marketplace for  healthcare professional liability, Beazley policies offer some distinct benefits:  

• Choice of ‘primary,’ ‘duty to defend’ and ‘pay on behalf of’ coverage for smaller risks that do not have access to the necessary claims handling expertise  
• Claims cooperation/indemnification products available for larger risks with either in-house or appointed third party claims handling expertise, and the ability to fund significant self-insured retentions  
• Both insurance and captive reinsurance solutions; these can be primary and/or excess follow form (subject to the underlying terms, conditions and carrier).