Health Care Facility Policy Highlights*
Medical Professional Liability Insurance - Claims Made
Provides coverage for damages because of injury caused by a medical incident directly resulting from professional health care services or professional committee activities.
Physicians Administration Defense (PAD) Reimbursement Coverage - Claims Made
Provides defense cost reimbursement and practice interruption expense reimbursement for administrative proceedings and employment-related civil actions related to:
- Medical Licensure and Privileges
- Employment Practices
Provides limited coverage for slips and falls and property damage at a covered premise.
Optional Health Care General Liability Insurance for Qualifying Organizations - Occurrence
Replaces and provides broader coverage than Limited Professional Office Premises Liability Coverage and includes coverage for personal injury and advertising injury (certain qualifications required).
Prior Acts/Nose Coverage (Over Current Retroactive Date)
Conveniently provides coverage from one insurer.
Right to Consent to Settle
Places the insured in control of whether to settle a claim.
The following benefits are provided in addition to the Limits of Liability of the policy:
- Defense Costs
- Attendance at Trial: $500 maximum per half day per insured
- Fire and Water Damage Legal Liability: $500,000/$500,000 for the Named Insured
- Medical Payments: $10,000 per person
- Pre-judgment and Post-judgment Interest
Additional Highlights
Aggressive Claims HandlingRepresents the insured’s interests and helps protect the insured’s reputation.
On-site Clinical and Administrative Assessment
Helps the facility to identify risks and evaluate and improve its practice systems.
Award-winning CME Program
Assists the facility in enhancing patient safety and improving communication.
Monthly Claims Rx Newsletter
Helps the facility stay on top of current administrative and clinical issues.
Risk Management 24/7 Phone Consultations
Offers peace of mind and allows an insured to call NORCAL 24/7 for Risk Management advice.
For additional information about this or any other NORCAL policy, please contact Policyholder Services at (877) 443-7232.
*The above information is intended only to highlight the NORCAL policy features and benefits. The conditions of coverage are specifically explained in the NORCAL policy.
