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You are here >  Excess & Surplus > Healthcare Facilities Thursday, December 13, 2018

Excess and Surplus

The oldest and largest professional liability and practice protection program, designed specifically for dentists.



Contact Information

Dental Risk Management Services

Phone: + 1 405-527-3966
Fax: + 1 405-527-4326         

Healthcare Facilities

Professional and General Liability Program

Program Description
Claims-made professional liability and general liability coverage for healthcare facilities.

Available Limits
  • Limits of liability up to $1,000,000 / $3,000,000
  • Facility limits will be set no higher than the limits carried by associated physicians and/or surgeons
Coverage Features
  • Professional and General Liability coverage available
  • Coverage is provided on a claims-made basis, with an incident reporting trigger
  • Unlimited reporting period on the Extended Reporting Endorsement (ERE) is standard, a 3-year reporting period is available - limits are not reinstated if ERE is purchased
  • Employees share the facility's limit - the following are not considered employees: physician, surgeon, dentist, nurse anesthetist, nurse midwife, podiatrist, chiropractor, physician assistant, independent contractor and temporary worker (professional liability for these excluded employees must be obtained elsewhere)
Eligible Facility Types
  • Laboratory Services
  • Radiology Services (x-ray, MRI, PET scans, CT scans, non-invasive radiology)
  • Rehabilitation (PT, OT, Speech, Trauma)
  • Dialysis Centers
  • Home Health (Skilled Medical Care, Homemaker/Companion, Visiting Nurse)
  • Ambulatory Healthcare Facilities
Ineligible Facility Types
  • Blood or Organ Banks
  • Entities Providing Healthcare Services to Prisons or any Correctional Facility
  • Outpatient Surgery Centers
  • Laser Surgery Centers
  • All risks must be located in the United States
  • The state in which the Healthcare Facility is located must allow Professional Liability coverage to be written on a surplus lines basis
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