Acupuncture is a stress and pain management health care service that involves placing needles in specific parts of the body. It is usually viewed as an alternative medicine but is increasingly accepted as a health care profession. This coverage insures the general liability and professional liability exposures of acupuncture specialists.

Mental Health Clinics Professional Liability

Mental health clinics provide a variety of services for adults, adolescents, and children who may be referred by a family doctor, school officials, social workers, counselors, or law enforcement officers. These centers provide individual and group counseling, medication, and day care programs. Short-term inpatient services may be provided for persons who receive treatment. Staff consists of psychiatrists, psychologists, psychiatric nurses, … Read More

Morticians Professional Liability

This coverage protects an insured mortuary, its funeral directors, and employees against claims that allege professional negligence on their part in conducting funerals. Coverage includes property damage claims for property that belong to others in the insured’s care, custody, or control, including corpses and burial articles. Applicants for this insurance must be qualified morticians licensed by the state where they … Read More

Event Coordinators E&O

This covers event coordinators against allegations of errors or omissions that cause financial loss to their client. Examples of these events include conventions, weddings, conferences, sporting activities, fundraisers, and political activities.

Emergency Service Organizations

Organizations that provide pre-hospital care, such as public and private ambulance services, fire departments, first-aid teams, rescue squads, and first responders are eligible for coverage under specialty programs. Such programs provide professional liability, auto liability, auto physical damage, inland marine, commercial general liability, umbrella liability, directors and officers liability, workers compensation, and employers’ liability coverages. Coverage on real and personal … Read More

Emergency Medical Technicians E&O

Timely response by professional emergency medical technicians (EMTs) to their patients’ needs is the cornerstone of pre-hospital emergency care. Their professional liability exposures can be covered under a group policy that insures the emergency medical unit. The group policy can also cover ambulance services, fire departments, first-aid teams, and rescue squads. Professional liability coverage for EMT instructors/coordinators is also available.

Substandard Malpractice and Professional Liability

The Insurance Marketplace lists available markets for a number of specialty, unusual, or difficult-to-place malpractice and professional liability exposures. Because not every exposure and coverage need can be listed or anticipated, this classification is for any nonstandard and difficult-to-place malpractice and professional liability exposures not specifically listed.

Managed Care E&O

Managed care operations attempt to balance a patient’s health care needs with the cost to provide services. This is not a health care professional liability policy. It is an administrative failure policy and includes errors and omissions made through the managed care facility. It may also provide directors and officers liability coverage.

Nurse Practitioners

Nurse practitioners are nurses who have obtained master or doctoral degrees and are certified as such by a nursing board in the state where they practice. State regulations determine the services they can provide. Many practice independently from physicians while others are required to have a collaborative relationship with a physician. Some states permit full rights to prescribe medication while … Read More

Nursing Homes Professional Liability

This coverage insures nursing homes against allegations of malpractice, error, or mistake in the care of patients in their facilities. Most policies combine commercial general liability and professional liability coverages. Availability and pricing varies significantly by state and by the type of services the nursing home provides.