• We write on an excess & surplus lines basis in 46-states (not approved in CT, DE, and IA) and on an admitted basis in Oklahoma.

• We insure against claims of professional liability, general liability, employee benefits liability, and MORE.

• Our typical policy form is claims-made and reported.

• We offer prior acts coverage for eligible risks.

• We offer an “incident sensitive” form.

• We offer an “occurrence” form insuring the general liability exposures for eligible risks.

• Our typical coverage form is written as “Pay on Behalf” and obligates us to a “Duty to Defend” you.

• We can offer defense outside the limits for eligible risks. Our typical product has defense provided inside the limits.

• Where we intend to cover sexual abuse, we do it by endorsement…we do not subscribe to “silence” as being a prudent approach for such a volatile exposure. “Say what you mean…mean what you say!!”

• We provide bundled, top-notch, claims administration via experienced healthcare liability adjusters.

• We offer Stop-Gap coverage for Employers Liability that eliminates a potential gap in coverage in monopolistic workers comp states.

• We clearly will provide the cost of tailing your claims-made policy upfront. No relying on your underwriter being in a good mood.

• Limited consent to settle can be endorsed to eligible risks.

• Qualifying risks can be offered a credit to subsequent renewals.

• We utilize a broad “insured” definition that:

• Will cover your medical directors, whether employed or contracted, for their administrative duties.

• Will cover your volunteers and nursing staff for their duties on your behalf.

• We are Ohio based…just like you!