NEW YORK – Hiscox USA, the specialist insurer, today announced product enhancements to the Allied Healthcare Professional and General Liability policy including the addition of Occurrence General Liability and Hired and Non-Owned Auto Liability. The Occurrence General Liability coverage includes personal injury, advertising injury and medical payments. Both coverages can be offered in conjunction with the Allied Healthcare Professional Liability Claims-Made form. The enhancements to the Allied Healthcare policy address the growing needs of medical professionals as they perform non-traditional medical procedures, increasing exposure to new and unique risks.
"Allied Healthcare is such a diverse field encompassing distinct professions, anything from psychologists to massage therapists. Each profession has its own unique set of risks which is why a comprehensive solution is important in this area." said Michelle Kim, Vice President of Allied Healthcare Professional Liability at Hiscox USA. "We are continuously looking to enhance the product so that the coverage addresses the different needs of all our clients, particularly in our current litigious society."
The Allied Healthcare Professional and General Liability policy offers enhanced coverages such as true worldwide coverage, coverage for medical directors, leased workers, students and volunteers, punitive damages where insurable by law, sexual misconduct sub-limits, defense costs in addition to limits, and much more.
The policy extends coverage for medical professionals and institutions including:
- Acupuncturists
- Adult day care centers
- Alcohol/drug rehab centers
- Alternative therapies
- Ambulance services
- Anti-aging medical spas
- Athletic/fitness trainers
- Case managers
- Chiropractic services
- Counseling services
- Day spas
- Dental clinics
- Drug/alcohol testing facilities
- Healthcare staffing agencies
- Holistic medicine clinics
- Home health agencies
- Hospice care services
- Massage therapists
- Medical arts schools (non-physician)
- Medical clinics
- Medical imaging facilities
- Medical testing labs
- Nurse practitioners
- Nurse registries
- Nutritionists
- Occupational therapists
- Optometrists
- Pharmacies
- Physical therapists
- Post mortem services
- Psychologists
- Sleep clinics
- Speech therapists
- Utilization review services
- Weight loss clinics (no surgery)
Hiscox has a diverse portfolio of commercial, professional liability and specialty insurance products, and has offices in New York, NY; Armonk, NY; Atlanta, GA; Boston, MA; Chicago, IL; Geneva, IL; Kansas City, MO; Lexington, KY; Los Angeles, CA; and San Francisco, CA.
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For further information please contact:
Cubitt Jacobs & Prosek Communications, New York
About Hiscox in the US
Hiscox, the international specialist insurer, is headquartered in Bermuda and listed on the London Stock Exchange (LSE:HSX). There are three main underwriting parts of the Group – Hiscox London Market, Hiscox UK and Europe and Hiscox International. Hiscox International includes operations in Bermuda, Guernsey and the USA. Hiscox ASM Ltd, Hiscox Underwriting Ltd and Hiscox Syndicates Ltd are authorized and regulated by the UK Financial Services Authority. The ability of syndicates at Lloyd's to do business in the USA and its territories is restricted as they are not US-based insurers.
Hiscox Inc., a Delaware corporation headquartered in New York, is a licensed insurance intermediary for admitted and surplus lines business. Hiscox Inc. underwrites on behalf of, and places business with, Hiscox Insurance Company Inc., other domestic insurers, and syndicates at Lloyd's (www.lloyds.com). Hiscox Insurance Company Inc. is a Geneva, IL domiciled insurer which is admitted or licensed to do business in all 50 states and the District of Columbia.
Inquiries as to insurance or other products or services should be directed to an insurance agent or broker licensed to conduct business in the relevant US state. For further information about an insurer's ability to do business in the USA and US territories please contact a licensed agent or broker for advice.
This communication provides general information on Hiscox's products and services only and is not intended to be, and does not constitute, a solicitation of business by syndicates at Lloyd's from or in respect of the USA or US territories. The information contained herein is not a part of an insurance policy, and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern.
For further information, visit www.hiscox.com