Frequently Asked Questions

COVID-19 Coverage FAQs

These FAQs are intended to apply for circumstances arising from the COVID-19 pandemic and are subject to revision as circumstances evolve. Please note all coverage is subject to actual policy terms and conditions.

COVID-19 Coverage FAQs

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:
In most cases, coverage is a claims-made policy; and, under certain circumstances, coverage may be written on an occurrence basis. Coverage 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
  • 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 Barbara Dunham at 860.334.8829 or Barbara.Dunham@hhchealth.org 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 or affiliation with Hartford HealthCare.

Q: Will this policy cover for temporary 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. Solo practitioners may complete the form. Group practices, please contact Sharon Daust with the dates and who will be covering for you.

 

Contact HHCISL

Coverage Questions

Sharon Daust
Marsh Senior Vice President
HealthCare Practice
Sharon.Daust-Deleeuw@marsh.com
248.945.5328

Mike Kane
HHC Director of Insurance & Risk Financing
Michael.Kane@hhchealth.org
860.545.4841

Professional Liability or Tail Insurance Quotes for Independent Physicians

Sharon Daust
Vice President, Marsh USA
Sharon.Daust-Deleeuw@marsh.com
248.945.5328


More Information

To Report an Incident

Risk Management
Barbara (Bobbi) Dunham
Barbara.Dunham@hhchealth.org
860.334.8829

Malpractice Claims
Christine Maiello
Associate General Counsel
Christine.Maiello@hhchealth.org
Office: 860.545.3336
Mobile: 860.936.2053

Report a claim

If the "report a claim” link does not work please use the following email to report any claim or suit.
NewClaimReports-VAP@HHCHealth.org

Claim Histories

Claim histories are issued within 7-10 business days after we receive your request. If you have any questions or issues with the form, please contact Jodi LaTorre.

Claim history request