Cyber Security / HIPAA

What it covers:

  • Legal Fees for complying with data breach notification laws
  • Securing legal counsel to advise on incident response
  • Providing credit file monitoring to victims
  • Hiring forensic experts to investigate the breach
  • Paying regulatory defense and penalties from privacy law violations
  • Reimbursing a company for certain out of pocket expenses from a breach

Who it covers:

  • Any company that handles, uses, accesses, stores or transmits Private Information (i.e. Medical Records – both electronic and paper)

What it covers:

  • Legal Fees (for both the Board Members and the Company)
  • Damages (including some limited Punitive Damages )
  • Settlements (which include the plaintiff’s attorney expenses)

Who it covers:

  • Owners of a Company
  • Individuals serving on a Board of Directors
  • Medical Directors or members of a Peer Review or Credentialing Committee
  • The Company (whether it’s a Corporation, LLC, Partnership or a Sole Proprietorship)

Directors and Officers

Fiduciary

What it covers:

  • Legal fees for individual fiduciaries and companies
  • Damages
  • Government imposed fines and penalties

Who it covers:

  • Owners of a company
  • Individuals serving on a Board of Directors
  • Individuals administering employee benefit programs

Medical Billing and Regulatory

What it covers:

  • Legal Expenses (approved legal fees incurred in defense of a billing error, HIPAA, EMTALA or STARK Proceeding)
  • Audit Expenses (expense arising out of a billing error, HIPAA, EMTALA or STARK Proceeding, including pre-approved Shadow Audits performed as part of a policyholder’s defense)
  • Fines & Penalties (multiplied or punitive damages are excluded)

Who it covers:

  • Physicians and Physician Groups
  • Billing Companies
  • Medical Facilities, Nursing Homes, Hospitals
  • Durable Medical Equipment Manufacturers

What it covers:

  • Legal defense and settlement costs for allegations either direct Medical Malpractice or vicarious liability

Who it covers:

  • Medical facilities
  • Companies providing administrative support or services to Healthcare organizations
  • Vendors designated as filiated organizations under the Affordable Care Act

Medical Professional Liability / Managed Care

Professional Liability

What it covers:

  • Legal defense costs
  • Settlement costs
  • Judgement costs
  • Regulatory fines and penalties (if available)

Who it covers:

  • Companies or individuals who provide services for a fee whether or not required by contract

Stand alone Tail

Who it covers:

  • Physician groups being acquired or otherwise ceasing operations
  • Medical facilities acquired or ceasing operations

What it covers:

  • Unlimited tail coverage. Designated to follow the form of the prior malpractice program

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