Physicians

HudsonPro Medical Professional Liability product offers comprehensive insurance solutions with broad coverage for the following physicians and physician groups: 

• Large Physician Groups: Group of 10 or more Physicians
• Small Groups & Individual Physicians: Group of Less than 10 Physicians
• Select Physicians: Grey Physicians, Unique Exposures Challenged Risk or Territory

Coverage is written on a non-admitted basis by Hudson Excess Insurance Company for all states, and on an admitted basis by Hudson Insurance Company in 11 states. See the map below for details.

Typical Limit of Insurance

• $1,000,000 per claim / $3,000,000 annual aggregate
• Entities will share the limit of insurance with the physician(s) — separate entity limit available
• First Dollar coverage as well as various retention options are available
• Defense costs in addition to the limit of insurance

Coverage Includes

Large Physician Groups + Small Groups & Individual Physicians

• Consent to Settle
• Expense Outside Limit
• Separate Entity Limit Available

Select Physicians

• Consent to Settle may be limited
• Claims reporting trigger may be restricted Minimum earned premium of 25%
• ERP may be limited

Product Benefits

• Full Consent to Settle for the Named Insured
• Incident Report Claim Trigger
• Includes Locum Tenens coverage
• No premium charge for an Extended Reporting Period (ERP) due to death, disability or retirement(age 55 or older) – subject to five years of continuous coverage with the most recent year with Hudson
• Unlimited ERP for most insureds
• Reimbursement of licensing hearing cost with typical limits of $10,000 / $30,000
• HIPAA/Medicare/Cyber liability available by endorsement
• New-to-Practice discount
• Free online CMEs and Risk Management Credit