Comprehensive Insurance and Services for You
Coverys provides healthcare professional liability insurance plus innovative risk mitigation services to help you improve clinical, operational and financial outcomes. How? By addressing the specific risks associated with medical professional liability claims. We also identify ways you can succeed in the ever-changing healthcare delivery and reimbursement environment.
What sets Coverys apart from other carriers is the depth of our services. With your Coverys policy, you will receive a suite of comprehensive risk management and patient safety education services. Learn more about our
risk management,
business analytics,
education, and
claims services.
Coverage varies by state. Coverys offers medical professional liability insurance through our agent and broker network. Please consult your agent or broker regarding specific coverages and pricing.
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More:
A Guide to Purchasing Medical Professional Liability Insurance
Selection of MPL Coverage Forms Available:
Claims-Made – Provides protection for covered medical professional liability claims which occur on or after a retroactive date and are reported during the policy period or an extended reporting period, if applicable.
Modified Claims-Made – Offers prepaid tail coverage on a claims-made basis. Protects against covered medical professional liability claims which occur on or after a retroactive date and are reported during the policy period or an extended reporting period, if applicable. Please note that an indefinite reporting period endorsement automatically applies at no additional premium.
Occurrence – Provides protection for covered medical professional liability claims that occur during the policy period.
Primary Policy Limits:
Primary policy limits are available of up to $2,000,000 per claim.
Key Coverage Highlights:
Broad Definition of Insured – Shared coverage provided for all non-physician employees, students, and volunteers while acting within their scope of duties; separate limits offered for an additional premium.
Medical Corporations – Coverage included for solely owned professional medical corporations.
Locum Tenens Coverage – Available for temporary absences from professional practice up to a maximum of 90 days during a policy period.
Worldwide Coverage – Coverage applies for suits brought within the United States, its territories and possessions, or Canada.
Vicarious Liability Coverage – Provided for claims arising out of professional acts or omissions by someone for whom the policyholder is legally responsible.
Cyber Liability and Protection Plus Coverage – Coverage for data security and privacy incidents, regulatory or commercial payor audits, as well as electronic crime incidents. Coverage includes access to experienced attorneys and legal resources which specialize in handling such incidents throughout the claim lifecycle and also includes comprehensive risk management support. A $50,000 aggregate limit is provided at no extra cost with flexible, increased limit options available for an additional premium.
Find out more about Cyber Liability and Protection Plus Coverage
Extended Reporting Period Coverage – Free endorsement for an extended reporting period (also known as “tail” coverage) is available in the event of death, disability, and retirement; for a retirement tail, certain eligibility requirements may apply.
Additional Features:
Professional Conduct Review Coverage – Provides reimbursement of up to $25,000 for legal defense costs for licensing board matters and associated investigation activities arising out of professional services rendered to a patient.
Sexual Misconduct Defense Coverage – Provides reimbursement of up to $100,000 for legal expenses required for defense of a suit or licensing board proceeding alleging actual or threatened sexual misconduct of a patient.
Allied Healthcare Providers – Nurse practitioners, physician assistants, and other medical employees can be added as insureds with separate limits of liability for additional premium.
Optional Coverages for Additional Premium:
Commercial General Liability Coverage Part – Protects insureds against liability for bodily injury or property damage arising out of an insured’s premises, operations, and personal and advertising injury. Additionally, payment of related medical expenses is included regardless of fault as part of this coverage part.
Employee Benefits Liability Coverage Part – Coverage for claims alleging improper advice and other errors or omissions in the administration of the named insured’s employee benefit plans.
Excess Medical Professional and Umbrella Liability Coverage – Additional limits added in excess of primary limits in the event the underlying coverage limit has been exhausted.
Medical Director Endorsement – Coverage extension for medical directorships for identified organizations.
Note: Directors & Officers (D&O) liability coverage and Employment Practices Liability (EPL) coverage available in some states.
Allied Healthcare Providers:
Nurse practitioners,
physician assistants,
certified nurse midwives, and other medical employees can be added as insureds with separate limits of liability for an additional premium.
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Insurance Products issued by Medical Professional Mutual Insurance Company (MA, NAIC 10206) and its subsidiaries Preferred Professional Insurance Company® (NE, NAIC 36234), ProSelect® Insurance Company (NE, NAIC 10638), and Healthcare Underwriters Group, Inc. (OH, NAIC 12233). Insurance Products issued in California by Preferred Professional Insurance Company and Coverys Insurance Company (CA Cert. 6122-6). Insurance Products issued in New York by Coverys Risk Retention Group, Inc. (DC, NAIC 14160). Not all products available in all states, check with your agent or underwriter.
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