The Allied Health sector is booming, and whether it’s providing diagnostic, technical, therapeutic or direct patient care services, there are many new challenges being faced by individuals and organizations. An increase in demand has brought a new wave of regulation and classification changes. With the imminent advances in technology there is a race to provide effective and affordable services. Our policy is designed with these specific needs and challenges in mind, some of the features are listed below.
We recognize that a claim could be brought not just for injury, but also for financial loss suffered by a third party. That’s why our policy provides a dual trigger to ensure that each provider is adequately insured with no gaps in coverage.
General liability is absolutely key to any business in their dealings with clients and members of the public. Our cover protects you against legal expenses and compensation claims brought by external individuals injuring themselves on your premises.
Cyber & Privacy
Our cover for cyber and privacy is developed with healthcare organizations in mind. Coverage addresses risks associated with privacy breaches, HIPAA violations, system damage, business interruption and more. Our offering also comes with unlimited retroactive cover as standard, and no sub-limits on key areas of cover.
Fidelity & Employees
Theft of property or money from a third party is becoming an essential coverage in this sector. Some states are now making it mandatory for clients to carry coverage. Our policy includes this as standard in the base form.
Sexual Misconduct & Physical Abuse Liability
The reporting of sexual misconduct and physical abuse allegations is growing rapidly. Our policy provides coverage split into two sections. Section A is designed to cover the legal defense costs for any individual up until adjudication, and section B provides the legal liability, including liability for claimants’ costs and expenses for any organization.
Non-Owned and Hired Auto Liability
Our non-owned and hired automobile liability coverage covers claims against your organization for accidents caused by an employee using their own, or rented vehicle for business purposes. Most policies will exclude the unloading and loading of patients under this insuring clause, our policy is designed to be affirmative.
Loss Mitigation Costs
We provide cover for existing litigation or for imminent litigation, meaning you are covered for financial losses which have exceeded, or are likely to, the limits of other policies in place, up to a defined limit.
Court Attendance Costs
Court attendance costs can rack up quite a bill, so we cover costs incurred by attending court in relation to a claim or loss covered by this policy.
Reputation and Brand Cover
We will look to pay costs and expenses of up to a specified sub-limit for the services of a public relations consultancy to mitigate damage to reputation and brand following a defamation case or lawsuit.
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