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Professional Liability insurance, also known as Malpractice or Errors and Omissions insurance, is a critical coverage component of any comprehensive plan designed to properly safeguard health care organizations and the various professionals and paraprofessionals that they employ. A single mistake or oversight in treatment could lead to injury, illness or even death of a patient. Manchester Specialty Programs provides Entity Professional Liability coverage for each of the business risks we insure – from Home Care to Allied Health Care and Human/Social Services organizations.
We can tailor a policy to address the specific exposures of each health care niche, depending on the types of services they offer and the location where care is provided. The policy form protects insured businesses if they are sued for the errors, oversights or negligence of their employees, contractors or volunteers while carrying out their services. Our policy can cover the cost of defending an insured in court, settlements or court-ordered compensation, and other costs related to the claim (up to the policy limits).
At Manchester Specialty, along with our carrier partners, we understand how devastating a professional liability claim can be to an organization, both financially and to its reputation in the industry and the community at large. The ramifications are far-reaching, especially when dealing with elderly clients in need of care. To this end, through our carriers, we also provide risk management assistance to help mitigate risk and prevent losses. Firms with accreditation, favorable loss history and sound risk management practices are also eligible for premium credits on their policy.
Our programs and insurance products are offered exclusively through licensed agents and brokers in all states (we do not sell directly to health care firms). Clients have the advantage of working with their local insurance agent or broker of choice.
If you are an insurance agent or broker, please visit our Agent/Broker Resource Center to download/complete our Producer Agreement and start working with us.
If you are a health care firm, please share information on our program and our website with your local insurance agent; they can quickly access our program on your behalf to obtain a competitive quote.
For more information about our insurance programs, please call us at 1-855-972-9399.