Overview

Stuff happens. It's not always possible, despite one's best efforts, to maintain a pristine claim history. In today's medical malpractice environment, physicians who have experienced some losses over time have had little choice but to seek coverage from insurance companies that serve the "distressed physicians" market. Too often, such coverage is overly punitive and does not accurately reflect a physician's true experience.

At Allied World, we recognize that medical malpractice insurance should not be an "either/or" proposition where physicians are categorized as either perfect or poor risks. There should be a middle ground that recognizes the reality of the industry and rewards good physicians for their continued efforts to provide quality care. And there is, at Allied World.

Insurance is evolving. Allied World is leading the way.

Allied World's health care team has been immersed in the health and managed care environment since the early 1980s. It's a legacy we are proud of, but more importantly, it serves as the foundation that supports our commitment to the health care industry.

With a dedicated health care underwriting practice, Allied World has built an infrastructure that demonstrates commitment at every touch point - from risk assessment and coverage terms to claims administration and risk management services. Our focus is on serving the distinct needs of each health care customer. And we do so with talented people who offer a broad range of capabilities.

Financial Stability: Allied World's claims-paying ability is backed by the stability of Alleghany Insurance Holdings LLC, a subsidiary of Alleghany Corporation (NYSE ticker symbol, Y).

Risk Management Expertise: Allied World's commitment to our policyholders extends beyond simply providing an insurance policy. From weekly newsletters to annual CME credits, our risk management support helps mitigate potential loss and reinforces the central role each member of your group plays in managing risk.

Expert Claims Handling: Allied World has a dedicated medical professional claims department staffed with medical malpractice experts. Our claim professionals have well-earned reputations for fairness and responsiveness. At Allied World, gathering input on claims involves more than simply the economic value of the case.

Competitive Rates: Allied World's underwriting flexibility gives physicians coverage options and price based on risk exposure - not market perception. Our rates are more attractive than the rates charged by more restrictive surplus lines programs.

Experienced Agents: We have partnered with insurance professionals who have years of experience with medical malpractice insurance. Allied World's agency partners have demonstrated commitment to supporting the insurance and loss control needs of physicians.

Preferred Segments

Some specialties are ineligible for coverage, including emergency room physicians, radiologists, pathologists, neurologists, and high-risk obstetricians.

Capacity

$1 million per medical incident/$3 million aggregate ($4 million aggregate in Connecticut) limit available per physician or mid-level provider, as well as separately for the corporation where employed ancillary medical professionals are covered.

Coverage Highlights

For qualifying physicians, Allied World offers broader terms of coverage than traditional surplus lines markets allow, including:

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

Access to this product is available only to Allied World 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 Allied World approved producer, click here for a list of approved referral wholesalers for this line of business.