Target classes
- Home Health Agencies
- Medical and Day Spas
- Medical and NEMT Transportation
- Nurse Registries / Medical Staffing
- Physical Therapy Clinics
- Drug and Alcohol Rehab
- Dental Clinics
- Health and Fitness Centers
Highlights
- Professional liability offered on a claims-made basis
- General liability offered on a claims-made or occurrence basis
- Can include direct coverage for physicians, dentists and chiropractors on select classes
- Medical directors covered for administrative duties and indirect patient care
- Patient loading / unloading coverage available as a sub-limit or up to the full professional liability limit
- Dual towers / separate professional liability and general liability aggregate limits
- Follow form excess coverage available
- Punitive damages are covered, where insurable
Summary of coverage
Comprehensive coverage for a wide range of allied and ancillary healthcare providers and facilities – coverage enhancements available are detailed below.
- Sexual Misconduct and Molestation Liability up to $1 million – available by endorsement
- e-MD® provides Cyber Liability coverage up to $1 million for breach notification, network security and privacy liability, data recovery costs and media liability
- MEDEFENSE™ Plus provides essential defense costs and fines and penalties reimbursement coverage up to $500,000 for billing errors proceedings, as well as HIPAA, EMTALA and STARK proceedings
- Employee Benefits Liability up to $1 million
- Hired and Non-Owned Auto Liability up to $1 million
- Additional claims expenses limit up to $1 million
- Reputational harm expenses sublimit up to $50,000
- Evacuation expenses sublimit up to $50,000
- Disciplinary proceedings sublimit up to $25,000
Documents & forms
Why choose Tokio Marine HCC?
Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.
More about us Financial strengthNot all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.