Effective July 1, 2023, the policy forms for Hospitals and Integrated Healthcare Systems written in the excess and surplus (E&S) space have been updated. Key highlights include:
- Locations are no longer required to be scheduled for coverage to apply.
- A separate limit of liability is now extended for Employee Benefits Liability.
- Products and Completed Operations Hazard Coverage is now listed under General Liability with a separate aggregate limit, should General Liability Coverage be purchased.
- Leased Workers, Temporary Workers, and Volunteers are listed under the definition of “employee.”
- The definition of Bodily Injury has been expanded to include coverage for mental injury, mental illness, mental anguish, emotional distress, and disability.
- Perfusionists are now automatically covered with shared limits under our policy form.
- Ability to schedule providers with shared and/or separate limits of liability.
- Sexual Misconduct/Physical Abuse Coverage is excluded.
- Exclusions for Multi-Policy, Anti-Stacking, and Privacy have been added.
- Additional terms have been added to the Definitions section, including but not limited to Event and Potential Claim.
- Related claims language has been added to clarify limits available and number of deductibles that would apply.
Please refer to ProAssurance’s updated policy form(s) for additional information around policy language as well as revised terms and conditions.