Acupuncturists

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

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.

Medical Billing Companies E&O

Businesses that prepare doctors’ bills to send to Medicare, state Medicaid programs, insurance companies, and others can purchase errors and omissions insurance. It pays the legal expenses and damages a doctor sustains due to errors by the third-party billing firm. Coverage is usually subject to a small deductible.

Pharmacists Professional Liability (Employed)

This professional liability coverage insures employed pharmacists against claims for damages due to injury that arises from alleged malpractice, error, or mistake in the rendering of professional services. Pharmacists who work for or own a drug store are protected by that store’s druggists liability policy. However, an employed pharmacist is not covered for professional advice or activities that are not … Read More

Physicians Assistants Professional Liability

Physicians Assistants (PAs) operate under the guidance of a physician but they have their own professional liability exposures. Even though a physician guides them, they have their own patients for whom they develop treatment plans and prescribe medications. Although PAs usually work in family practices, they are also in many other specialties. This coverage protects the PA for claims for … Read More

Physicians Professional Liability

This professional liability coverage protects insured physicians against claims for damages due to injuries that arise from their alleged malpractice, error, or mistake in rendering or failing to render professional services. This insurance may be written for individuals, partnerships, and members of corporations or professional associations.

Physiotherapists Professional Liability

Physiotherapy or physical therapy is an increasingly popular way to rehabilitate individuals so that they can return to the lifestyle they had prior to an illness or accident. This coverage protects the physical therapist for claims of injury that result from alleged malpractice, error, or mistake in rendering or failing to render professional services. Employed physical therapists may be covered … Read More