What's NEW in Hiscox Allied Healthcare Insurance?
We are very excited to introduce Hiscox Professional Liability Portfolio, a new product which provides ‘tailor-made’ solutions for Allied Healthcare (AHC), Architects and Engineers (A&E) and Miscellaneous Professional Liability (MPL) clients. Our AHC policies provide Professional Liability and General Liability coverage for a wide range of healthcare related professions and the risks and exposures they face.
Advantages of the new AHC form within the Professional Liability Portfolio:
- Targeted, industry specific policy forms
- Standard general terms and conditions for all lines of business
- Cross selling opportunities – add GL coverage to PL policies
- Customized policy to suit your clients’ needs
- Clear, concise policy language
- Crime and privacy modules available soon
- Offers the protection necessary to allow the insured to focus on what’s important, his or her business
Who we cover:
See here for a full list of who we cover
Preferred Professions
- Adult day care centers
- Alcohol and drug rehab centers
- Acupuncturists/Acupressurists
- Ambulance services (both air and ground)
- Art therapists
…and other professions
Will also consider
- Adoption agencies
- Assisted living facilities
- Cancer treatment centers
- Egg donor matching services
- Endoscopy centers
…and other professions
Unlikely to provide terms
- Abortion clinics
- Cancer treatment centers
- Certified Registered Nurse Anesthetist
…and other professions
Coverage Highlights:
- Defense of licensing proceedings and subpoena assistance – included as coverage enhancement, outside of limits
- Punitive damages specifically included in definition of ‘damages’, where insurable by most favorable applicable jurisdiction, up to full limits
- Personal injury expanded to cover ‘personal and advertising injury’
- Payment of claimant’s attorney fees explicitly covered as ‘damages’
- Supplemental payments up to $250 per day, up to $10,000 per claim, outside of limits
- HIPAA violations sublimit included in base form as coverage enhancement
- Sexual misconduct sublimit included in base form as coverage enhancement
- Independent contractors are specifically included in definition of ‘insured’
- Claims are made and reported, but with 60-day auto ERP
Target industry specific forms:
The following includes all coverage highlights above, as well as
- Beauty salons and day spas:
o Broad professional services description
o Sexual abuse sublimit as standard
- Ambulance and medical transportation:
o Affirmative loading and unloading coverage
o Sexual abuse sublimit as standard
Policy comparisons:
See policy comparison of old and new policy form.
Contacts:
Alicia Cardinale
Assistant Vice President
New York
T: 914 273 7428
E: alicia.cardinale@hiscox.com
Brendan Barber
Underwriter
Northwest
T: 415 912 1664
E: brendan.barber@hiscox.com
Kaitlyn Dudzinski
Underwriter
Southwest
T: 213 412 1230
E: kaitlyn.dudzinski@hiscox.com
Austin Duke
Underwriter
Midwest
T: 312 283 2929
E: austin.duke@hiscox.com
Andrew Kling
Senior Underwriter
Northeast
T: 646 442 8308
E: andrew.kling@hiscox.com
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