Miscellaneous Medical Liability

If you have an unusual healthcare risk, we can likely find a solution.  Our cover available on distinct product forms include:

MiscMed:  

• A modular policy form that allows the Insured to choose a combination of healthcare professional liability, sexual/physical misconduct liability, general liability products
• 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 US $25,000,000 limit capacity/US $25,000 minimum premium 

Virtual Care: A flexible, modular risk protection package for growing digital health businesses that combines Professional Liability, General Liability, Cyber Liability and Technology Products and E&O along with Media Liability.

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

We have 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, we create solutions as creative and specialized as our insureds. We provide coverage for some of the most difficult-to-place risks, and we add clarity to the gray area of our clients’ insurance.

Our 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).