FAQ's
LONG TERM CARE FACILITY - ANSWERS TO FREQUENTLY ASKED QUESTIONS REGARDING MEDSOLUTIONS
• 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!
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