Healthcare Professional Liability

Market-Leading Coverage Features

• Additional Limit Option Included in Excess Policy The possibility of unforeseen gaps or catastrophic events is always real. Our Additional Limit Option is automatically included in every HPL excess policy and gives the insured the option to purchase “top off” insurance over their existing tower of insurance during the policy period or during the 12 months after policy expiration (for insureds who renew their policy with IronHealth). Extra protection can mean significant savings.
• Excess Liability Limit Reinstatement Should the insured's excess liability limits from IronHealth become depleted, they will be reinstated at no additional cost, subject to the same attachment point as our original policy. This option is included in all IronHealth HPL excess policies which are the top layer of the insurance program with a minimum attachment point of $25 million.

Underwriting Capabilities
Umbrella / Lead Excess and Follow Form Excess

• Minimum attachment of $1 million excess of a self-insured retention
• Minimum attachment of $5 million excess of commercial insurance
• $25 million capacity
• Available on a surplus lines basis and in some states on an admitted basis subject to deregulation criteria

Coverage Highlights in Addition to Market-Leading Features

• Claims made professional liability and employee benefits liability; occurrence general liability
• Drop down coverage available on the IronHealth Follow Form Excess Policy that provides coverage for:
• - Public Relations event expense reimbursement, up to $100,000
• - Evacuation expense reimbursement, up to $100,000
• - Disinfection event expense reimbursement, up to $100,000
• - Child abduction expense reimbursement, up to $100,000
• - Professional liability for insured individuals who provide charitable medical services anywhere in the world, up to $1M/$1M

Targeted Placements
Hospitals (stand-alone or multi-hospital systems), rehabilitation facilities, substance abuse facilities, psychiatric facilities, behavioral health facilities, long-term acute care facilities, critical access hospitals, specialty hospitals, home health and hospice agencies, integrated delivery systems and research organizations.

Risk Management Services
“Risk management dollars” for insureds to be allocated toward the purchase of risk management products and services from the providers of their choice. To help stretch those dollars, IronHealth actively establishes partnerships with the leading Healthcare Risk Management providers. Currently, our preferred partners and their offerings include:

• ASHRM
  Membership and conference fees, on-line education resources, modules, designations (DSHRM, FASHRM, CPHRM), software and other risk-related materials provided by ASHRM.
  » IronHealth Insureds resources available through ASHRM
  http://www.ashrm.org/ashrm/resources/ironhealth.html
  
  
• ECRI Institute
  Patient safety, quality, and risk management products and services for hospitals and acute care settings, long-term care settings, physician office settings, ambulatory surgical settings and more.
  » IronHealth Insureds resources available through ECRI Institute
  https://www.ecri.org/Products/Pages/IronHealth.aspx

Payment Plans
Annual or quarterly payment options are available. Quarterly payment option includes no installment fee.

Service Commitment
We recognize that every time you recommend IronHealth to one of your valued clients, you put your reputation on the line. In order to help you provide the best service possible, we:

• Acknowledge all submissions within 48 hours of receipt, providing you the name of the assigned underwriter and contact information
• Issue all policies within 5 business days from date of receipt of last subjectivity (if applicable)
• Issue excess policies after receipt of primary policy, but prior to receipt of all underlying policies, provided all underlying binders have been received
• Acknowledge all claim notices within 48 hours of receipt, providing the name of the assigned claims representative and contact information

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.