Health & Wellness

Professional Liability Insurance provides you the following benefits:

Professional Liability (Coverage A)

• Coverage for amounts you are legally obligated to pay to compensate others for damages resulting from your wrongful act in the rendering or failing to render professional services that result in injury.
• Defense outside limits.

Premises Liability (Coverage B)

• Coverage for those amounts you are legally obligated to pay to patients for damages resulting from bodily injury arising out of an event on premises used principally while performing your professional services as a Healthcare Professional.
• Up to $500 for property damage to personal property of others in your care, custody or control while performing your professional services as a Healthcare Professional.

Personal Injury Liability (Coverage C)

• Coverage for amounts you are legally obligated to pay to compensate others for damages resulting from your personal injury offense, to someone other than your patient, for an offense arising solely out of the performance of your professional services as a Healthcare Professional.

Good Samaritan Acts (Coverage D)

• Coverage for amounts you are legally obligated to pay to compensate others for damages resulting from your personal injury offense, to someone other than your patient, for an offense arising solely out of the performance of your professional services as a Healthcare Professional.

Assault Upon You (Coverage E):

• $25,000 Aggregate Limit
• Expense you incur for bodily injury and property damage to you resulting from an assault upon you while performing your duties as a Healthcare Professional.

First Aid (Coverage F):

• $15,000 Aggregate Limit
• Expenses you incur for first aid rendered to others as a result of a covered claim of bodily injury.

Medical Payments (Coverage G):

• $25,000 Per Incident / $100,000 Aggregate Limit
• Necessary medical expenses, regardless of fault, incurred from an accident resulting from an event causing bodily injury to a patient on premises you principally use while performing professional services as a Healthcare Professional.

Deposition Fees (Coverage H):

• $10,000 Aggregate Limit
• Payment of fees, costs and expenses necessary to represent you at a deposition involving a covered wrongful act, which you are required to attend but are not named as a party in the claim or suit. (Excluding expert witness services)

Administrative Hearing Expense

• $25,000 Per Incident / $100,000 Aggregate Limit
• Defense costs arising out of a covered incident incurred to defend you at a covered Disciplinary, Licensure or similar Administrative Proceedings, Medicare/Medicaid Billing Errors arising from your rendering or failure to render professional services, while performing professional services as a Healthcare Professional to a patient.

Sexual Misconduct Expense

• $25,000 Aggregate Limit
• For damages arising from covered claims against you involving any actual or alleged sexual misconduct or physical contact, or attempt thereat arising from your professional services as a Healthcare Professional to a patient unless it is determined it was an intentional act.

Loss of Earnings

• $2,500 Per Incident / $35,000 Aggregate Limit
• Your loss of earnings and reasonable expenses related to the defense or investigation of a covered claim or potential claim resulting from your attendance at a required proceeding, hearing or trial.

HIPAA Proceedings

• $25,000 Aggregate Limit
• We will pay up to $25,000 of your expenses, charged by an attorney selected by us, which includes other reasonable costs, expenses or fees resulting from the investigation or defense of a HIPAA Proceeding, but only if in final adjudication such allegations are found to be false or unfounded.
• IMPORTANT NOTICE: This coverage summary is provided for informational purposes only. Additional exclusions and conditions apply. Please read the policy carefully.

Commercial General Liability Insurance provides bodily injury and property damage liability protection. Coverage is available as an add on to your Medical Protective Professional Liability Insurance Policy at limits of $1,000,000/$3,000,000. Rates vary by state.

To add Commercial General Liability Insurance to your policy please complete the supplemental application below. Please send the completed supplemental application to applications@cphins.com.

The Medical Protective Company (MedPro)*

Coverage for fitness professionals under the CPH program is underwritten by Medical Protective, rated A++ (Superior) by A.M. Best. As the nation’s oldest provider of healthcare malpractice liability insurance, Medical Protective has been protecting the assets and reputations of doctors and other healthcare providers for over 100 years.

Beginning in 1899, a group of physicians in Fort Wayne, Indiana banded together to form a group to help defend themselves from a growing phenomenon –professional medical liability lawsuits. As the group grew, the physicians realized that the insurance business was better handled full time by experts. While they kept their influence within the company, they handed over the reins to Byron H. Somers and Charles M. Niezer. By 1925, Medical Protective became the largest insurer of healthcare providers.

Medical Protective was a family owned company for almost a century. In 1998 General Electric acquired Medical Protective only to sell most of their insurance holdings within the next eight years. Medical Protective found its ideal owner in Warren Buffett’s Berkshire Hathaway in 2005.

Medical Protective is proud to defend the reputation and assets of over 140,000 healthcare providers. When you need protection you need strength, and that’s exactly what MedPro provides! Medical Protective, a member of the Berkshire Hathaway family of companies, is rated A++ (Superior) by A.M. Best and is the only medical malpractice carrier who has endured all three medmal crises and through it all has provided superior protection to its insureds. Coverage with Medical Protective includes the following benefits: Occurrence Coverage, Employed and Self-Employed Options, HIPAA Defense Coverage, License and Deposition Coverage – all at affordable prices.**

For more information about MedPro’s history and financial strength, please visit: www.medpro.com.

*For all states but NY

**Coverage with Medical Protective is offered through MedPro Provider Solutions, Inc. (“MPS”), a risk purchasing group and affiliate of Medical Protective. By payment of your policy premium, you will be joining as a member of MPS.