Frequently Asked Questions

Professional Liability Insurance for Independent Physicians

Q: Who is my insurance company for malpractice coverage?
A: Hartford HealthCare Indemnity Services, Ltd. (HHCISL) utilizes C.N.A. to issue your policy and provide coverage, with HHCISL providing financial backing to the policy.

Q: What type of coverage is it, and what are the effective dates?
A: 
Coverage is a claims made policy, which renews annually on January 1st.

Q: What limits are available?
A: 
Coverage limit options include $1M/$3M, $2M/$5M and $3M/$6M.

Q: How does this policy cover me for damages?
A: The program provides worldwide protection against professional liability claims which might be brought against you in your practice as a physician or surgeon.  Your professional liability protection covers you for damages resulting from:

  • You or your organization providing or withholding professional services
  • Providing or withholding professional services by anyone whose acts you are legally responsible for including, among others, your employees and volunteer workers when working within the scope of their assigned duties
  • Your service on a formal accreditation board or similar board or committee

Q: How are employees covered? Is there an additional charge?
A: Employees, such as APRNs and PAs, are covered automatically as is the Professional Corporation at no additional charge for all duties within their scope of employment by you.

Q: How are part time employees covered, or those with other employment models?
A: Premium based on selected limits plus several factors including:

  • Full- or part time practice
  • Specialty
  • Surgery vs. non-surgery
  • Retro date
  • Additionally
  • No charge for PC or mid-levels
  • 50% premium credit for physicians new to practice
  • No charge for locum tenens
  • Risk management, CME and loss experience credits
  • Premium waiver for disability/maternity leave/leave of absence
  • Billed monthly

Q: Since this is a claims made policy, how can I obtain tail insurance when I leave?
A: Tail insurance is offered to any provider who has participated in the HHCISL program. For an application and a quote, please contact Sharon Daust at Sharon.Daust-Deleeuw@marsh.com.

Q: I need to request a loss run reflecting my claims history. Who do I contact?
A: All requests for a claims history should be directed to Jodi LaTorre at Jodi.LaTorre@hhchealth.org.  NOTE:  A waiver to disclose the information is required by requesting entity.

Q: I think something has happened that I should report. Who do I contact?
A: If you are concerned about an incident and believe it may develop into a claim, please contact Risk Management as soon as possible. The effectiveness of the HHCISL coverage depends on prompt notice by the physician to the risk manager of any event that might conceivably give rise to a claim.

Q: Will I need to hire my own legal counsel?
A: HHCISL will provide you with legal counsel and a unified defense should any claims arise.

Q: I will be working part time at a non-HHC company. Am I still covered?
A: This policy will cover you for all of your clinical work, regardless of site.

Q: Will this policy cover for coverage by another physician when I am on vacation?
A: Yes. Called Locum Tenens coverage, this program will provide full coverage for any physician or group who are covering for you while you are away for up to 90 days. Please contact Sharon Daust at Sharon.Daust-Deleeuw@marsh.com of the dates and who will be covering for you.

 

Contact HHCISL


More information

  • To Report an Incident:

    Hartford HealthCare Medical Claims Department
    860.972.9766

  • Claim Histories

    Claim histories are issued upon request within seven days after the request is received.  Please submit an email request and a signed release form to Jodi.LaTorre@hhchealth.org.