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Medical Malpractice Liability

Medical malpractice insurance covers doctors, and other medical professionals in the medical field, for liability claims arising from their treatment of patients. Whether you’re a surgeon with several advanced degrees, a hospital, provide rehabilitation services or provide other medical services,  having sufficient medical malpractice insurance is the only way to protect yourself against financial devastation in the event you are sued.

A lawsuit involving medical malpractice can be very expensive and time consuming.  ECC can provide the necessary insurance to reduce the stress on business finance, as compared to not having any coverage.

The experts at ECC have extensive experience providing access to Medical Professional Liability for the healthcare industry and healthcare facilities.  We apply the vast intellectual capital of our organization to analyze the impact of reform and technology, the legal and financial environment, and provide access to coverage for everything from ambulatory surgical centers to medical spas. 

Kinds of Medical Malpractice Claims

  • Error in treatment
  • Malpractice
  • Failure to treat
  • Failure to diagnose
  • Misdiagnosis or delayed diagnosis
  • Negligence during childbirth
  • Anesthesia errors

Eligible Risks

  • Miscellaneous Medical and Facilities
  • Allied Medical Professions
  • Medical Malpractice, Surgeons and Dentists
  • Hospitals
  • Physicians
  • Long-Term Care
  • Most any class related to the medical industry

Coverage Features for all Classes

  • General Liability- occurrence and claims made
  • Abuse and molestation with limits up to policy limits
  • Hired and Non-Owned Auto Coverage
  • Defense inside or out
  • Employee Benefits
  • Physicians primary coverage for all employed MDs and Psychologists available
  • Flexible Retention levels, including first dollar coverage
  • Prior Acts coverage and an extended reporting period
  • Evacuation expense reimbursement with a sub limit for unplanned evacuation of residents
  • Legal/Media expense reimbursement with a sub limit for investigation and defense of regulatory proceedings, and/or public relations advisory costs
  • Privacy Coverage
  • Risk Management Services

Claim Examples

A rehabilitation center was responsible for treating a male who had recently had major surgery. Part of the post treatment was a strict diet, as prescribed by the doctor. The center staff failed to follow the instructions and the patient suffered additional injuries. The resulting injuries required additional medical treatment totaling $23,000.

A laser treatment center provided services to a plaintiff for damaged skin. During treatment by an employee of the organization, the plaintiff suffered severe first degree burns to her face and neck that resulted in permanent scarring. The claim was settled for $500,000.

A patient of an eye doctor received incorrect eye drops during a routine procedure. The patient subsequently required regular treatments and suffered permanent damage to the eye. The claim was settled for $256,000

Agent Sales Tips for Medical Malpractice Insurance

The best way to sell Med Mal insurance is to start a conversation with your client or prospect. Think about using these tools:

  • Develop a one page sales or marketing sheet about the coverage; show your expertise in this field.
  • Offer to review samples contracts, agreements and purchase orders; look for exposures
  • Offer a risk and insurance review, be honest, point out the good as well as the areas of needed improvement.
  • Get involved in the local associations
  • Offer to speak at meetings and conventions
  • Use compare and contrast questions
    • If I could design the right combination of price and coverage, would that be of interest to you?

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