Hospital 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 coverage for bodily injury, property damage, fire damage, personal injury, advertising injury and medical payments
Administration of Your Employee Benefits Program Insurance - Claims Made
Provides coverage for benefit errors in the administration of your employee benefits program
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
- Pre-judgment and Post-judgment Interest
- Damage to Patient’s Property: $2,500 per patient/$25,000 per policy period
Represents the insured’s interests and helps protect the insured’s reputation
On-Site Clinical and Administrative Assessment
Helps the hospital to identify risks and evaluate and improve its practice systems
Award-winning CME Program
Assists the hospital in enhancing patient safety and improving communication
Monthly Claims Rx Newsletter
Helps the hospital 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. Please read the policy for complete coverage information.
