Healthcare Professional Liability » Drop Down Coverage Details

IronHealth provides Hospital Professional Liability insureds with added security during some of the most potentially disruptive, high-profile events. By daring to look at drop down coverage differently, we designed our Healthcare Professional Liability Follow Form Excess Policy to be there when the primary carrier excludes the expense. Even when IronHealth is a “high excess” player, our policy drops down and fills the gaps, providing critical coverage for:

Disinfection Event Expense Coverage

• Provides reimbursement coverage for reasonable fees and costs incurred by the insured to clean and disinfect the insured's facility after any covered disinfection event. Includes the following costs:
• - Engagement of third party providers for cleaning/disinfection services
• - To notify patients, visitors or other potentially affected persons
• - Incurred in the management of public relations with respect to the covered event


• Applies to any case or series of cases of the MRSA virus or other hospital-borne infectious virus, bacteria or disease that requires reporting such case or series of cases to any local, state or federal governmental or healthcare oversight agency or entity

Child Abduction Expense Coverage

• Provides reimbursement for reasonable fees and expenses of:
• - An independent detective agency retained to locate a covered child
• - Independent public relations consultant
• - Publicity incurred to locate the covered child
• - Reward paid


• Applies to the wrongful abduction of a covered child by any person or group, other than a parent, from an insured's facilities

Evacuation Expense Coverage

• Provides reimbursement coverage for reasonable costs incurred in connection with the evacuation, including, costs associated with transporting and lodging patients who have been evacuated


• Applies to the removal from one or more of the insured's facilities to any other location of a majority of patients as a result of any natural or man-made occurrence that, in the reasonable judgment of the insured's management, causes or could potentially cause the facility to be unsafe for patients.

Public Relations Expense Coverage

• Provides reimbursement of reasonable fees and costs incurred in the investigation, mitigation and or defense of an actual or alleged public relations event including:
• - Attorneys, experts and consultants third party media consultants
• - Notification of third parties directly affected by the event
• - Associated credit monitoring services
• - Management of public relations


• Applies to any of the following:
• - HIPAA violation, or any other failure to maintain the confidentiality of information regarding medical services, or information obtained in the provision of professional services, or unauthorized release or use of such information.


• - Criminal investigation, criminal complaint, indictment, administrative hearing or licensing or other agency proceeding, relating to the alleged violation or infringement of one or more state or federal statutes or regulations regarding: physical or sexual abuse, including elder abuse; patient privacy; and hiring practices and reference checking of potential employees.

Charity Care Coverage

In conjunction with our Follow Form Excess policy, we offer drop-down coverage for claims made against employees of our hospital insured — e.g., doctors, nurses, technicians, or other medical practitioners or employees — arising out of wrongful acts committed by those employees while performing charitable medical services with the permission of the hospital.

• Limits up to $1,000,000/$1,000,000 available
• Coverage for charitable medical services performed anywhere in the world

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.