Connect insurance to the operation
Medical-office insurance should distinguish clinical professional liability from premises, property, employment, cyber, equipment, and business-income exposures. Services, providers, credentials, patient information, and locations should be described accurately. Coordinated insurance planning for patient care, employees, property, technology, privacy, and uninterrupted office operations.
Unscheduled people, property, or locations
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Excluded services or causes of loss
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Limits that do not match credible severity
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Risks that deserve specific attention
Patient-care allegations and professional liability
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Protected information, ransomware, privacy events, and network interruption
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Employee injury, employment practices, property, equipment, refrigeration, and office closure
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Coverage areas to coordinate
Medical professional liability from an appropriate specialist market
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
General liability, property, business income, equipment breakdown, and cyber
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Workers' compensation, EPLI, crime, commercial auto, and umbrella where appropriate
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Build a useful submission
- Describe every operation, ownership entity, location, service, customer type, and material change since the prior policy began.
- Provide current revenue, payroll, values, vehicles, equipment, contracts, and currently valued loss information when available.
- Explain significant claims, near misses, corrective action, safety procedures, training, maintenance, and management oversight.
- Identify requested effective dates, contract deadlines, lender or landlord requirements, desired limits, and deductible preferences.
Questions the review should answer
How will the program address patient-care allegations and professional liability?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
How will the program address protected information, ransomware, privacy events, and network interruption?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
How will the program address employee injury, employment practices, property, equipment, refrigeration, and office closure?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
Frequently asked questions
What information helps prepare a Medical Offices insurance common coverage gaps review?
Start with a clear description of the operation, locations, ownership, revenue, payroll, property, vehicles, contracts, current insurance, and loss history. For medical offices, pay particular attention to patient-care allegations and professional liability, protected information, ransomware, privacy events, and network interruption, employee injury, employment practices, property, equipment, refrigeration, and office closure.
Which policies commonly deserve attention for medical offices?
The starting coverage areas include medical professional liability from an appropriate specialist market, general liability, property, business income, equipment breakdown, and cyber, workers' compensation, epli, crime, commercial auto, and umbrella where appropriate. Actual needs depend on the operation, contracts, locations, people, property, vehicles, services, and available market terms.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.