The professional act is covered. Most of what sits around it is not. Criminal acts and sexual misconduct allegations are excluded, though many forms fund a defense up to a small sublimit until the conduct is established. Punitive damages awarded against an insured are not insurable in California. A licensing board inquiry is a separate matter from a patient lawsuit and is usually reached only through an administrative defense sublimit, if the policy offers one at all. Patient record exposure under HIPAA and the Confidentiality of Medical Information Act belongs to cyber, employment claims to EPLI, and a slip in the waiting room to general liability.
Related FAQs
Annually, and any time the practice changes what it does. Adding a procedure, adding an advanced practice provider you supervise, opening a second location, or treating patients by telehealth ...
To the retroactive date on your declarations, and no further. A claims-made policy names a date, and an incident that occurred before it is outside the coverage even if ...
On a claims-made policy, the answer depends on what you buy at the end. A claims-made form responds to claims reported while it is in force, so cancelling it ...
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