Typical classes of business we write are as follows:

• Companies involved in: drug & biologics, medical devices, nutraceuticals, dietary supplements, cosmetics, and medical device software
• Contract service organizations (contract research, clinical research, site management)
• Consultants (regulatory, product development, etc.)
• Research organizations & institutions
• Other related segments

Highlights of coverage:

• Products & Completed operation.
• Premises and operations
• Errors and omissions liability
• Medical monitoring expense
• Clinical trials
• Product withdrawal expense
• Property damage liability for goods or products in the Insured’s care, custody, or control
• Biological agents liability and clean up costs
• Abuse and molestation coverage
• Primary or excess coverage

Some of the sectors we serve:

Blood Banks / Cord Blood Processing & Storage

• Clinical Research Centres
• Clinics – Walk-in / Family Medicine
• Counseling Services
• Dental Laboratories
• Diagnostic Imaging
• Dieticians / Nutritionists
• EMT / Paramedics
• Executive / Corporate Health
• Family Health Teams
• First Aid Providers
• Genetic Testing Laboratories
• Health Practitioner Staffing Agencies
• Home Healthcare Providers
• Massage Therapy / Physiotherapy / Chiropractic Clinics
• Medical Assessment Centres
• Medical Laboratories
• Medical Spas (including botox injections)
• Medical Training Schools
• Mental Health Clinics
• Occupational / Industrial Health
• Opticians / Optical Centres
• Pain Management Clinics
• Sleep Laboratories
• Speech Therapy
• Sports Injury Clinics
• Surgical Centers
• Telehealth / Telemedicine
• Urgent Care Clinics

Some of the coverage highlights

• Underwriting flexibility and customized coverage solutions
• Commercial package policy available in support of the Healthcare Professional Liability policy
• $500 personal property coverage included (no deductible applicable)
• Broad definition of insured (includes former employees, students, and volunteers)
• Coverage available for treating US and international patients
• Cyber / privacy liability extension available
• Abuse extension available
• Includes coverage for medical director duties
• $2,500 minimum premium

With information provided by Berkley Insurance Company

TECH ENABLED Healthcare and Lifestyle Management Services

Our new Virtual Care solution will help protect telemedicine providers from the risks associated with offering digital healthcare, covering gaps in coverage for such specialized services for a wide range of organizations, and businesses such as telehealth, m-health, as well as lifestyle and wellness technologies.

It includes:

• medical malpractice
• professional indemnity
• tech and media liability
• public and products liability
• cyber coverage and Breach Response Services.

Virtual Care also has optional extensions to cover;

• mitigation costs
• abuse and harassment liability
• medical regulatory costs
• claims due to loss of documents or reputational damage costs
• environmental liability costs.

Advancements in technology are driving the evolution of healthcare provision as well as changing public attitudes around accessing care remotely and monitoring personal health and wellbeing. With this comes potential risks from the shortcomings of data or the health advice provided, or due to errors or malfunctions in the technologies themselves. Data privacy and security remain top of mind as well.

The Virtual Care product addresses the complexity of these risks by providing healthcare and tech specialists with seamless cover in one policy that avoids policy gaps and ensures that, should they arise, claims are efficiently managed by one dedicated team.

We’d welcome the opportunity to be another set of eyes on your existing programme or help develop one if you are starting up. One of our favorite things is watching our clients grow. Let us show you how you can be better@hubbardinsurance.com