Lexington offering enhanced cover for health care facilities
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Lexington Insurance Co., an American International Group Inc. company, has launched enhanced professional liability and general liability coverage for miscellaneous health care facilities.
Coverage is available to small- and medium-sized facilities and broader mid-market health care providers, including home health care agencies, community health care facilities, physical therapy providers and surgical centers.
The policy provides coverage for medical directors, employees and volunteers and includes professional and general liability with dual tower aggregate limits.
Limits available are $1 million per occurrence/$3 million aggregate for both general liability and professional liability in separate towers, according to an email from a spokesman.
The policy includes disciplinary action coverage, subpoena and deposition assistance coverage, trial attendance per diem and Good Samaritan coverage.
Coverages available by endorsement including employee benefit liability, crisis management, Health Insurance Portability and Accountability Act civil monetary penalties, and options for defense expenses outside of limits of insurance.
Policyholder services include Lexington Healthcare’s risk management consultation helpline; risk assessments of high exposure areas like behavioral health and perioperative; onsite/virtual risk management education; virtual crisis prevention and verbal de-escalation training; and emerging exposure advisories and alerts.
Sue Chmieleski, head of health care at Lexington, said in a statement that the operating environment for health care companies, particularly for middle-market providers, grows more challenging by the day.
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