Miscellaneous Medical Liability

What we offer

Focusing on more than just Allied Medical, MiscMed provides protection for medical professional liability exposures arising out of a wide range of healthcare-related businesses. This includes the more complex risks that can fall in the grey area of healthcare – such as search and rescue providers, humanitarian aid organizations, and social services, to name a few. We have a robust appetite and are able to use creative underwriting for those hard-to-place risks. Our tailored policy is simplified to provide clarity and is streamlined to incorporate endorsements that would be otherwise attached outside the policy.

Some key highlights include:

A modular policy form that gives flexibility in tailoring coverage to build a policy that meets the Clients’ needs including healthcare professional liability, sexual/physical misconduct liability, general liability, products completed operations liability, clinical trial liability and E&O (financial loss)
All modules have separate limits of liability
Excess/umbrella policies able to schedule auto, and employer’s liability policies
Coverage available for employed and contracted physicians and midlevel providers
Coverage on a 100% or quota-share basis
Up to US $25,000,000 limit capacity with a US $25,000 minimum premium

For your telemedicine risks, view our Virtual Care offerings.

For your product liability and clinical trial risks, view our Life Sciences offerings.

How can we help

We have been underwriting our Miscellaneous Medical Liability product for nearly twenty years and our stability in the market provides reassurance that our team understands the nuances associated with this unique class of business. We go above and beyond just providing coverages that are standard in the marketplace for miscellaneous medical professional liability, we create solutions as creative and specialized as our insureds. We insure some of the most complex risks and aim to simplify the gray area of our clients’ insurance.

The Beazley Difference

BEING BOLD

Freedom lies in being bold. We dare to be different and seek bold possibilities to create more innovative, fair and satisfying outcomes for our clients, brokers and employees. From insuring the highest building in the world, to the first commercial lunar vehicle to operate on the moon - we boldly go where others won’t.

STRIVING FOR BETTER

Good is a start, but we go all-out for better. A driven community of individuals relentlessly push the needle and creating value. From launching the market’s first dedicated ESG syndicate to the establishment of our business unit focusing on designing digital insurance solutions, we pride ourselves on always going above and beyond. Simply put, at Beazley we go to 11.

DOING THE RIGHT THING

Acting with integrity in a straightforward, decent way is instinctive. Open and honest with others, we show respect and empathy however challenging the situation – demonstrated by our multi-award winning claims team. Doing the right thing makes for a fair-minded, rewarding environment and makes work and life better for all.

Examples or Scenarios

Allegations that laboratory insured provided inconsistent / incorrect laboratory results in patient blood samples.

An insured received a claim involving allegations of sexual assault during services it provided to a customer. The claimant alleged negligent hiring and retention against the insured.  The matter was resolved pre-lawsuit for a fraction of demand and avoided defense costs and litigation.