Professional Liability (Coverage A)
- Coverage for amounts you are legally obligated to pay to compensate others for damages resulting from your wrongful act in the rendering or failing to render professional services that result in injury.
- Defense outside limits.
Premises Liability (Coverage B)
- Coverage for those amounts you are legally obligated to pay to patients for damages resulting from bodily injury arising out of an event on premises used principally while performing your professional services as a Healthcare Professional.
- Up to $500 for property damage to personal property of others in your care, custody or control while performing your professional services as a Healthcare Professional.
Personal Injury Liability (Coverage C)
- Coverage for amounts you are legally obligated to pay to compensate others for damages resulting from your personal injury offense, to someone other than your patient, for an offense arising solely out of the performance of your professional services as a Healthcare Professional.
Good Samaritan Acts (Coverage D)
- Coverage for amounts you are legally obligated to pay to compensate others for damages resulting from your personal injury offense, to someone other than your patient, for an offense arising solely out of the performance of your professional services as a Healthcare Professional.
Assault Upon You (Coverage E):
Expense you incur for bodily injury and property damage to you resulting from an assault upon you while performing your duties as a Healthcare Professional.
First Aid (Coverage F):
Expenses you incur for first aid rendered to others as a result of a covered claim of bodily injury.
Medical Payments (Coverage G):
- $25,000 Per Incident / $100,000 Aggregate Limit
Necessary medical expenses, regardless of fault, incurred from an accident resulting from an event causing bodily injury to a patient on premises you principally use while performing professional services as a Healthcare Professional.
Deposition Fees (Coverage H):
Payment of fees, costs and expenses necessary to represent you at a deposition involving a covered wrongful act, which you are required to attend but are not named as a party in the claim or suit. (Excluding expert witness services)
Administrative Hearing Expense
- $25,000 Per Incident / $100,000 Aggregate Limit
Defense costs arising out of a covered incident incurred to defend you at a covered Disciplinary, Licensure or similar Administrative Proceedings, Medicare/Medicaid Billing Errors arising from your rendering or failure to render professional services, while performing professional services as a Healthcare Professional to a patient.
Sexual Misconduct Expense
For damages arising from covered claims against you involving any actual or alleged sexual misconduct or physical contact, or attempt thereat arising from your professional services as a Healthcare Professional to a patient unless it is determined it was an intentional act.
Loss of Earnings
- $2,500 Per Incident / $35,000 Aggregate Limit
Your loss of earnings and reasonable expenses related to the defense or investigation of a covered claim or potential claim resulting from your attendance at a required proceeding, hearing or trial.
HIPAA Proceedings
We will pay up to $25,000 of your expenses, charged by an attorney selected by us, which includes other reasonable costs, expenses or fees resulting from the investigation or defense of a HIPAA Proceeding, but only if in final adjudication such allegations are found to be false or unfounded. IMPORTANT NOTICE: This coverage summary is provided for informational purposes only. Additional exclusions and conditions apply. Please read the policy carefully.
