Medical Professional Liability Insurance
for
Urgent Care Centers
Overview
Darwin is responding to the growing urgent care market segment with a stand-alone professional liability product that introduces a flexible approach to each urgent care center’s (UCC) distinctive needs.
We have developed facility-specific coverage that incorporates customized pricing, a streamlined underwriting process, and a policy form that addresses the requirements of both the organization and the individual physicians it employs. Darwin’s process is tailored to ease the administrative challenges created by separate policies. Our goal is to understand the risk upfront. By engaging our risk managers and claims personnel in the underwriting process, we truly partner with policyholders to mitigate losses before an event occurs.
Eligible Risks
- Urgent Care Centers
- Retail Clinics
- Walk-in Medical Centers
Limts
Our limits approach is flexible to meet the needs of single or multiple location UCCs.
Features & Highlights
- Our UCC-specific application makes applying for coverage easier by asking for essential
underwriting information upfront. The completion of the application allows us to offer terms
quickly, and with the customization necessary to meet policyholder needs.
- Pricing is calculated on a per-visit basis, rather than on the number of physicians per
facility. Darwin’s rating approach recognizes that individual visit charges vary by type of
service rendered and is flexible to meet the unique needs of all urgent care centers, from
small, single-location offices to large multi-location facilities.
- Darwin created this new, stand-alone urgent care form to address both entity and
physician exposures under one policy. The form’s key elements include:
- Rolling IBNR approach that provides for administrative ease and cost savings when
adding and deleting covered physicians
- Flexible defense cost options; defense costs are available outside the limits of liability
or can be included within the limits for a premium discount
- Defense expenses for administrative, regulatory, and disciplinary hearings for
physicians
- Automatic Locum Tenens coverage
- Darwin provides its policyholders with an easy-to-understand overview of the risk-
management and claims-handling services that accompany coverage.
Jurisdictions
Available in most U.S. states on a non-admitted basis.
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
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Professional Underwriters, Inc.
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