Risk Eligibility

  • Risks with up to 100 employees
  • Medical professionals
  • Target classes (including, but not limited to):
    • Acupuncturist
    • Internal medicine specialist
    • Physical therapist
    • Allergy specialists
    • Med spa
    • Plastic/Cosmetic surgeon*
    • Chiropractor
    • MRI/Imaging center
    • Podiatrist
    • Dentist/Orthodontist
    • OB/GYN*
    • Psychologist/Psychiatrist*
    • Dermatologist
    • Otolaryngologist (ENT)
    • Sleep disorder clinic
    • General practitioner
    • Pediatric specialties
    • Surgeon/Surgical center
  • New ventures are eligible

In addition to the above classes, many others are eligible. Please contact your underwriter

* Not eligible for third party harassment or defense for allegations of patient molestation

Contact an Underwriter at 877-742-9875

SUBJECT TO UNDERWRITING REVIEW

  • Up to two employment practices claims or circumstances in the past five years
  • Past or future plans for downsizing, layoffs, mergers or acquisition activities

AVAILABLE LIMITS

  • Employment practices liability up to $5,000,000
  • Fair Labor Standards Act (FLSA) included at $100,000 in most jurisdictions
  • Patient molestation (defense only) included at $250,000 for eligible classes

RETENTION

  • Employment practices liability starts at $2,500

* Not eligible for third party harassment or defense for allegations of patient molestation

MOST COMMON INELIGIBLE RISK CHARACTERISTICS

  • Any past patient molestation claim or third party discrimination claim in the past five years
  • Located in LA or WV
  • Classes of business:
    • Doctor/Dentist association
    • Home health care
    • Hospital
    • Substance abuse treatment, rehabilitation or counseling center
    • Medical management companies/Professional employment organizations
    • Abortion clinics

NOTE: Ineligible risk characteristics include, but are not limited to those listed above.

CONTACT AN UNDERWRITER FOR MORE INFORMATION AT 877-742-9875 OR CLICK HERE TO FILE A SUBMISSION