Practitioners and entities
Check that the insured names, specialties, locations and services reflect the practice today.
Healthcare Practices
Healthcare Practice Insurance.
Healthcare practice insurance should connect practitioner and entity coverage with the patient information, equipment and clinical systems your practice depends on.
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What we look at.
Coverage continuity
Review prior acts and reporting options when a practitioner joins, leaves, retires or changes insurers.
Clinical operations
Consider how equipment damage or loss of access to records would affect patient services and income.
Professional Liability
Professional-service claims. Review the practitioner and entity schedule, policy trigger, prior acts and reporting obligations.
General Liability
Review bodily injury, property damage, products or completed operations, and required additional insured endorsements.
Cyber Liability
Incident response, liability and selected first-party losses. Review security conditions, business interruption and fraud provisions.
Workers Comp
Review payroll, classifications, work locations and employer's liability. Statutory requirements vary by state and circumstances.
Property
Building, improvements, equipment and stock. Compare valuation, covered causes, deductibles and relevant sublimits.
Business Income
Review the insured income basis, continuing expenses, coverage trigger, waiting period and time or dollar limits.
Employment Practices Liability
Employment-related claims such as discrimination or wrongful termination. Review defense, retention and wage-and-hour restrictions.
Billing E&O and Audit Defense
Evaluate whether selected billing-related defense or audit costs are covered. Do not assume repayments, fines or intentional conduct are insured.
Questions & answers
Good questions to ask.
Does a practitioner's policy also insure the practice entity?
Do not assume so. Check the named insureds, entity coverage, practitioner schedule and services described in each policy, including responsibilities under employment and facility agreements.
What does malpractice tail coverage do?
Tail coverage extends the period for reporting certain claims after a claims-made policy ends. It generally relates to covered services performed before termination, rather than new work, and its terms and duration vary.
What should we review if clinical systems go offline?
Identify whether the cause is a cyber event, equipment failure or property damage. Review the relevant interruption coverage, waiting period, restoration costs and dependence on outside system providers.
When should a practice update its insurance information?
Review material changes before they take effect: new practitioners, specialties, procedures, locations, telehealth services or ownership. These can change the insured activities, entities and continuity questions.
From our journal
Related articles.
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