Medical Professional Liability Insurance for
Hospitals, Health Care Facilities, and Large Medical Groups

Overview

From pre-underwriting clinical risk assessments to expert risk management and claims administration, Darwin has created a health care practice dedicated to organizations that deliver medical care. Before coverage is underwritten and after a claim may arise, our focus is on serving the distinct needs of each medical professional liability client.

In the medical malpractice sector, the complexity of physician groups’ and health care facilities’ risks requires an intimate understanding of each organization’s operations and areas of exposure. Underwriting medical professional liability accounts to provide only an insurance policy cannot fully mitigate complex risks and the likelihood of future claims. But surrounding policyholders with Darwin’s program that includes risk assessment, insurance coverage, on-going risk management services, education, and expert claims services makes these complex risks easier to manage.

Medical professional liability coverage for the following preferred segments is available on a primary or excess basis.

Preferred Segments

Hospitals and Health Care Facilities, including:

• Cancer Hospitals
• Community General Hospitals (20-400 occupied beds)
• Critical Access Hospitals
• Rehabilitation Hospitals (low to medium acuity residents)

Miscellaneous Medical Facilities, including:

• Lithotripsy Facilities
• Magnetic Resonance Imaging (MRI) Centers
• Occupational Medicine Facilities
• Rehabilitation Clinics
• Student Health Centers
• Surgery Centers
• Wellness Centers

Physician Groups/Medical Groups (10+ physicians)

Capacity

Darwin can provide limits up to $10 million for health care risks.

Coverage Highlights

• Broad definition of Claims "trigger" as "incident" based, allowing the insured up to 30 days after the end of the policy period to report a claim
• Broad definition of Medical Services to include peer review, quality board work, and Good Samaritan acts
• Broad definition of Insured
• Automatic coverage for mergers, acquisitions, and newly acquired entities
• Primary general liability, occurrence or claims made basis
• Deductibles as low as $25,000
• Prior Acts coverage available

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.

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

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

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