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Vol. 1 No. 2, February 2004
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A Full Range of Medical Professional Services
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From pre-underwriting clinical risk assessments to expert risk management and claims administration, Darwin has created a health care practice dedicated to organizations that deliver medical care. Before coverage is underwritten and after a claim may arise, our focus is on serving the distinct needs of each medical professional liability client. With up to $10 million in capacity, Darwin can provide primary or excess coverage.
In the medical malpractice sector, the complexity of physician groups’ and health care facilities’ risks requires an intimate understanding of each organization’s operations and areas of exposure. Underwriting medical professional liability accounts to provide only an insurance policy cannot fully mitigate complex risks and the likelihood of future claims. But surrounding policyholders with Darwin’s program that includes risk assessment, insurance coverage, on-going loss prevention, education, and expert claims services makes these complex risks easier to manage.
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Darwin’s underwriters and risk managers each have more than 20 years’ experience in the business and bring a superior level of service and dedication to every account. Steve Spina, Darwin’s lead medical professional liability underwriter, has dedicated a majority of his career to underwriting medical professional lines of business.
Since 1983, Barbara Sinclair has been working with health care clients on all lines of business, including medical professional, D&O, GL, workers’ comp, and more. She has held senior-level positions with insurance carriers and brokerage firms.
Susan Chmieleski, APRN, CPHRM, JD, is responsible for all client and risk management services. She provides consulting and client services to Darwin’s health care policyholders, helping them assess and manage their organizational and clinical risk. As a licensed Advanced Practice Registered Nurse and attorney, Sue has an expert-level technical background that Darwin’s medical professional clients rely on.
To discuss medical professional account opportunities, please contact Steve Spina at spina@darwinpro.com or 860-507-1022, or Barbara Sinclair at bsinclair@darwinpro.com or 860-507-1057.
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Target Segments
Darwin’s medical professional liability coverage is primarily geared towards small and mid-sized general acute care hospitals with occupied bed sizes between 20 and 350. Physician group practices, generally with ten or more practicing physicians, are a core component of Darwin’s book of business.
Other preferred segments include:
• Hospice facilities and cancer hospitals
• Home health care facilities
• Occupational medicine and rehabilitation facilities or practices
• Not-for-profit and for-profit miscellaneous health care facilities
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Coverage Highlights
• Broad definition of Claims “trigger” as “incident” based, allowing the insured up to 30 days after the end of the policy period to report a claim
• Broad definition of Medical Services to include peer review, quality board work, and Good Samaritan acts
• Broad definition of Insured
•Automatic coverage for mergers, acquisitions, and newly acquired entities
• Primary general liability, occurrence or claims made basis
• Deductibles as low as $25,000
•Prior Acts coverage available
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Forms
Medical Professional Application, Professional and General Liability (h5010, 2/2004)
Medical Professional Policy Specimen (H5000, 2/2004)
Please note: Darwin can quote and bind medical professional liability coverage from most competitors’ applications. Adobe® Reader® is required to view these forms.
Submissions
Submissions may be emailed to submissions@darwinpro.com or faxed to 860-507-1200.
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LEGAL NOTICE: Darwin Professional Underwriters, Inc. (Darwin) recognizes that electronic and Internet communications are an important element in transacting business and strengthening business relationships with our producers, partners, and policyholders. The “CAN-SPAM Act of 2003” requires, among other things, that commercial electronic mail messages, the primary purpose of which is the commercial advertisement or promotion of a commercial product or service, comply with certain requirements. The requirements include identifying these messages as solicitations and giving the recipient the opportunity to “unsubscribe.”
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Darwin uses electronic communications for various purposes, including educational, transactional, informational, and promotional, and to facilitate or solicit business. Until the “primary purpose” language of the “CAN-SPAM Act of 2003” is clarified, Darwin is taking a conservative view and advising that all our email and electronic communications could be viewed as an advertisement or solicitation. If you wish to unsubscribe, please follow the unsubscribe links provided in this message.
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:: Copyright 2003-2004, Darwin Professional Underwriters, Inc. ::
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