Hospital Liability

Physicians Insurance Hospital Liability Protection™ covers small-hospital liability (100 beds or fewer) for professional acts, errors, or omissions, in addition to providing local and proactive risk-management education programs for physician and staff. Third-party claims-administration services are also available to interested organizations that want a comprehensive suite of services.

The Physicians Insurance Hospital Liability Protection policy provides the broadest insurance coverage available.

Coverage A: Healthcare Professional Liability
Physicians Insurance will pay those sums that the insured shall become legally obligated to pay as damages because of a claim or potential claim for Healthcare Professional Liability Injury arising out of direct patient treatment, rendered by an insured in the practice of the insured’s profession.

Limits of Insurance: $1,000,000 Each Medical Incident; $5,000,000 Annual Aggregate

Coverage B: Peer Review Liability
Physicians Insurance will pay those sums that the insured shall become legally obligated to pay as damages because of acts or decisions of the named insured’s formal accreditation, standards review, or similar professional board or committee; services rendered by the insured for such board or committee; or services rendered by the insured for the company peer-review program.

Limits of Insurance: $1,000,000 Each Claim; $1,000,000 Annual Aggregate

Coverage C: Disciplinary Proceeding Defense Reimbursement
Physicians Insurance will reimburse the named insured for reasonable attorney’s fees paid by the named insured to an attorney of the named insured’s choice for legal services rendered in connection with an investigation by the state health care disciplinary authority of physicians, pharmacists, advanced registered nurse practitioners, or physician assistants who are employees of the named insured.

Limits of Insurance: $50,000 Each Investigation; $50,000 Annual Aggregate

Coverage D: Commercial General Liability
Physicians Insurance will pay those sums the insured shall become legally obligated to pay as damages because of a claim or potential claim for General Liability Injury arising out of operations of the named insured, provided that the General Liability Injury arose out of an incident.

Limits of Insurance: $1,000,000 Each Incident; $5,000,000 Million Annual Aggregate

Coverage E: Employee Benefit Liability (Optional Coverage)
Provided the declarations page or an endorsement to this policy shows that a premium was charged for Coverage E under this policy, Physicians Insurance will pay on behalf of the insured those sums the insured shall become legally obligated to pay as damages because of a negligent act, error, or omission of the insured, or of any person for whose acts the insured is legally liable, committed in the administration of the named insured’s employee-benefit program(s).

Limits of Insurance: $1,000,000 Each Incident; $1,000,000 Annual Aggregate

Coverage F: Medical Expense Coverage
Physicians Insurance will pay reasonable medical expenses incurred by an injured person for bodily injury caused by an accident which arises out of a condition in the named insured’s premises or operations, with respect to which the named insured is afforded coverage under Coverage D of this policy, provided that the medical expense is incurred and reported to the company within one year of the date of the accident.

Limits of Insurance: $25,000 Annual Aggregate

Coverage G: Excess Liability Coverage (Optional Coverage)
Provided the declarations page or an endorsement to this policy shows that a premium was charged for Coverage G under this policy, the company will pay those sums in excess of limits of insurance available to the insured under Coverages A or D - and under Coverage E if the company has charged a premium under this policy for Coverage E - which the insured shall become legally obligated to pay as damages because of a claim or potential claim that is covered by Coverage A, D, or E of this policy.

Limits of Insurance: $4,000,000 Each Claim; $4,000,000 Annual Aggregate

Coverage H: Pollution and Mold Liability Coverage (Optional Coverage)
Physicians Insurance will pay those sums, including attorney’s fees and defense costs, that the insured shall become legally obligated to pay because of Pollution Liability Injury or Mold, Mildew, or Other Fungi Injury arising out of operations of the named insured.

Limits of Insurance: $500,000 Annual Aggregate

Coverage I: Limited Coverage for Sexual Misconduct or Sexual Activity (Optional Coverage)
Physicians Insurance will pay defense costs on behalf of any insured who is alleged to have engaged in sexual misconduct or sexual activity, provided that such insured denies that the alleged sexual misconduct or sexual activity took place, as well as any defense costs and damages that the named insured becomes legally obligated to pay, which arise from the actual or alleged sexual misconduct or sexual activity of said insured, provided that the insured had no knowledge of any actual, alleged, or threatened sexual misconduct or sexual activity. 

Limits of Insurance: $1,000,000 Each Claim; $1,000,000 Annual Aggregate