Darwin : Health Care Consultants Professional Liability Coverage

E&O Liability Insurance for
Health Care Consultants


Coverage for Members of the American Medical Billing Association
Darwin has partnered with the American Medical Billing Association (AMBA) to offer its members professional liability coverage designed specifically for the needs of medical billers and coders.

Overview

Health care consultants professional liability coverage is provided for professionals who are engaged in consulting assignments with health care facilities. Specifically, these assignments would be organizationally and operationally focused, where there is limited or no direct patient contact and/or diagnostic responsibilities.

Darwin’s health care consultants coverage is geared towards independent consultants and small groups. Coverage is written on a surplus lines basis and is available in all states except Rhode Island.

With the underwriting expertise and appetite for underwriting niche-oriented professional risks, Darwin is emerging as the clear market leader for specialty insurance coverage. Whatever market classification may exist, Darwin looks beyond the label to understand and underwrite an account on its own merits.

Preferred Segments

The following classes are provided as a guideline. This list is not all-inclusive and other types of health care consultants may be considered.

Consulting assignments in administrative and/or operational areas where there is no impact on patient/medical services provided by the client, such as:

Application or enrollment processing
Billing, coding, reimbursement, repricing
Claims handling, adjusting, paying, processing
Management or administrative services consulting to facilities or providers
Medical record review
Educational program development and seminars
HR consulting and employee benefit services (not plan design)
Public relations, advertising, marketing, research
Regulatory/compliance consulting

Consulting assignments in the following areas where there is some impact on patient/medical services provided by the client:

Business plan development
Credentialing or peer review for a health plan (not a facility)
Loss control or risk management, including QA or clinical improvement
TPA services, insurance, reinsurance, and self-insured plans
Precertification and/or utilization review

Capacity

Darwin can provide limits up to $5 million for health care consultant risks.

Coverage Highlights

Named perils policy (covered services specified on declarations)
Claims made, duty to defend policy
Broad definition of Claims
Contingent bodily injury coverage
Prior Acts coverage available
Provides $25,000 punitive damages sublimit (within policy limit, where applicable by law)
Extended reporting period available for a one-year term at 100% of premium

Submission Requirements

Darwin can quote from most competitors’ applications. However, for primary coverage a completed, signed Darwin application is required prior to issuing a policy.

Access to this product is available only to Darwin-approved producers. Approved producers may email account submissions to submissions@darwinpro.com, fax them to 860 284 1302, or mail them to the address below.

If you are not a Darwin-approved producer, click here for a list of approved referral wholesalers for this line of business.

Darwin Professional Underwriters, Inc.
9 Farm Springs Road, Farmington, CT 06032

V 860-284-1300 | F 860-284-1301 | E info@darwinpro.com