Ancillary Coverage For Health Care Providers / Institutions

AUTOMOBILE

Insurance that protects the insured against financial loss because of legal liability for automobile-related injuries to others or damage to their property by an auto. Can also insure against damage to the insured’s own vehicle with physical damage insurance.


For more information, contact:
Nathan Welser, Account Executive
1-800-522-2776
nwelser@hsg-group.com
CRIME

Includes coverage for employee theft of money, securities, or property, written with a per loss limit, a per employee limit, or a per position limit and other crime exposures.


For more information, contact:
Nathan Welser, Account Executive
1-800-522-2776
nwelser@hsg-group.com
CYBER / DATA BREACH COVERAGE

The advent of electronic medical records, in conjunction with mandates stemming from data-information breeches, has fueled the need for Cyber Liability Insurance. Cyber Liability-related claims are for the most part excluded by the traditional insurance coverage purchased by hospitals and medical providers. Most notably, but not exclusively, cyber policies cover a business’ liability for a data breach in which the firm’s customers’ personal information, such as Social Security or personal healthcare information, is exposed or stolen by a hacker or other criminal who has gained access to such data.

ProCon has developed a Cyber Liability program specifically designed or hospitals and leveraged the buying power of the group, resulting in broad coverage with an extremely competitive pricing model. The policies cover a variety of expenses associated with data breaches, including: notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.

For more information, contact:
Melissa Heaton, Account Executive
1-800-522-2776
mheaton@hsg-group.com
DIRECTORS, OFFICERS AND TRUSTEES LIABILITY

A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer.


For more information, contact:
Nathan Welser, Account Executive
1-800-522-2776
nwelser@hsg-group.com
EMPLOYMENT PRACTICES LIABILITY

Covers wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, retaliation, employment-related: defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation.


For more information, contact:
Nathan Welser, Account Executive
1-800-522-2776
nwelser@hsg-group.com
EQUIPMENT MAINTENANCE / WARRANTY

Consolidates equipment maintenance contracts under one agreement with one renewal date and consistent terms and conditions. Savings average 19% over traditional method of purchasing individual extended service contracts from OEMs.

For more information, contact:
Nathan Welser, Account Executive
1-800-522-2776
nwelser@hsg-group.com
FIDUCIARY LIABILITY

Covers the responsibility on trustees, employers, fiduciaries, professional administrators, and the plan itself with respect to errors and omissions (E&O) in the administration of employee benefit programs as imposed by the Employee Retirement Income Security Act (ERISA).


For more information, contact:
Nathan Welser, Account Executive
1-800-522-2776
nwelser@hsg-group.com
KIDNAP AND RANSOM

Specialty crime coverage that insures against loss by the surrender of property as a result of a threat of harm to the named insured, an employee, or a relative or guest of the insured or the insured’s employees.


For more information, contact:
Nathan Welser, Account Executive
1-800-522-2776
nwelser@hsg-group.com
MANAGED CARE ERRORS AND OMISSIONS

Written to cover organizations engaged in delivering medical services on a managed-care basis, such as health maintenance organizations (HMOs). Representative types of claims covered by the policies include allegations of negligent provider selection, direct professional liability, and wrongful denial of treatment.


For more information, contact:
Nathan Welser, Account Executive
1-800-522-2776
nwelser@hsg-group.com
PROPERTY / BUSINESS INCOME INSURANCE

First-party insurance that indemnifies the owner or user of property for its loss, or the loss of its income-producing ability, when the loss or damage is caused by a covered peril, such as fire or explosion. Among other things, can cover buildings, contents, and loss of business income.

For more information, contact:
Nathan Welser, Account Executive
1-800-522-2776
nwelser@hsg-group.com
Workers Compensation
An insurance policy that provides coverage for an employer’s two key exposures arising out of injuries sustained by employees. Part One of the policy covers the employer’s statutory liabilities under workers compensation laws, and Part Two of the policy covers liability arising out of employees’ work-related injuries that do not fall under the workers compensation statute.