A.M. Best “A” XV rated carrier
Hospitals with 100 staffed beds are eligible
Facilities with nursing home beds in conjunction with hospital beds
Limits available up to $1M per occurrence and $3M aggregate
Claims defense in addition to limits shown on declarations page
Claims-made professional liability
Claims-made or occurrence general liability
Professional employees including physicians
Claim trigger is a reported incident
Extended Reporting Period for 12, 24 or 36 months
Prior acts coverage
Sexual misconduct/abuse included up to policy limits
Employee benefits liability sublimit of $100,000/$100,000
Minimum of $1,500 deductible
Minimum Premium $15,000