AHD-COMP-004 — Insurance Specifications v0.1
Status: DRAFT v0.1
Required Coverage
| Policy | Limits | Annual Premium (estimate) |
|---|---|---|
| Professional Liability (Medical Malpractice E&O) | $5M per claim / $10M aggregate | $12,000 |
| General Liability | $2M per occurrence / $4M aggregate | $1,500 |
| Cyber Liability | $2M | $1,800 |
| Commercial Auto | $1M | $2,000 (Y2+) |
| Workers’ Compensation | per CA statutory limits | required if employees (per AB5 finding) |
| D&O | $1M | $2,500 (Y2+) |
Underwriter Shortlist
- Marsh USA — broad market access, concierge medicine experience
- MedPro — medical-malpractice specialist
- Coverys — specialist in healthcare malpractice, addiction medicine experience
- The Doctors Company — physician-owned
First contact: Marsh USA (broker) for shortlist of 3 carrier quotes within 7 days.
Tail Coverage
Maintain tail coverage on Medical Director’s malpractice policy for 7 years post-termination per Medical Director Agreement.
Exclusions to Watch
- Some policies exclude “alternative” therapies; NAD IV may fall in this category. Confirm coverage explicitly.
- Some policies exclude in-home care; mobile clinical practice may need rider or specialty carrier.
- Some policies exclude controlled-substance prescribing; confirm Schedule II/III/IV coverage included.
Renewal Discipline
- Quarterly review of coverage adequacy against case volume
- Annual rebid with broker
- Document any incidents to ensure renewal disclosure compliance