Medical Professional Liability

If you write liability insurance for doctors or hospitals, ISO's simplified medical professional liability program can offer you comprehensive coverages and optional endorsements that address the needs of today's marketplace.

If you write liability insurance for doctors or hospitals, ISO's simplified medical professional liability program can offer you comprehensive coverages and optional endorsements that address the needs of today's marketplace.

With ISO's simplified medical professional liability program, you'll find a range of options to tailor your policies to your specific risks.

Comprehensive coverages help you meet marketplace needs

ISO's new simplified medical professional liability program includes coverages for:

as well as a variety of multistate optional endorsements.

With ISO's simplified medical professional liability program, you get:

  • economies of scale, so you don't have to worry about the administrative time and expense of maintaining your own insurance program
  • an industry benchmark for standardized coverage forms, accurate loss costs, and manual rules

And ISO prepares, submits, and aggressively pursues approval of thousands of regulatory filings of forms, rules, and loss costs, so you don't have to.

Medical professional liability program highlights

The hospital professional liability policy provides:

  • coverage to hospitals for liability arising out of acts or omissions in providing professional health-care services
  • coverage to employees, including physicians and nurses
  • occurrence or claims-made coverage

The physicians, surgeons, and dentists professional liability policy provides:

  • individual coverage for a physician's, surgeon's, or dentist's liability for injury to patients arising out of an act or omission in providing or failing to provide professional medical or dental services
  • coverage for the partnership's, association's, limited liability company's, or corporation's liability
  • a separate aggregate limit for each individual named insured physician and a separate aggregate limit for the partnership, association, limited liability company, or corporation
  • insurance on an excess basis when used with a hospital professional liability policy
  • occurrence or claims-made coverage

New miscellaneous occurrence and claims-made coverage forms provide professional liability coverage for:

  • allied health-care providers
  • blood banks
  • diagnostic testing laboratories
  • optometrists
  • veterinarians

The new multistate optional endorsements include:

  • deductible liability endorsements
  • a contractual liability coverage extension endorsement
  • extended reporting period endorsements for claims-made policies

New multistate optional endorsements for the physicians, surgeons, and dentists professional liability policy include:

  • an additional insured endorsement that extends coverage to include employees
  • exclusions for partnership, limited liability company, association, or corporation for risks with only one individual named as an insured
  • amendments, such as an endorsement to provide combined aggregate limit of insurance for Coverages A and B
  • a consent-to-settle endorsement stating that the insurer will not settle a claim or suit without the consent of the named insured

New multistate optional endorsements for the hospital professional liability policy include:

  • an additional insured endorsement covering health-care professionals not employed by the policyholder
  • an amendment including separate aggregate limits of insurance for several designated locations
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