OUR PRIMARY PRODUCT

 

QUARTOSM

  

A PRIMARY FINANCIAL LINES POLICY FOR THE HEALTHCARE INDUSTRY,
PERSONALIZED BY YOU…

THE INSURED

The earliest known European printed book is a quarto. Think Shakespeare.

QUARTOSM is intended to be as relevant & appealing today as in the future.

QUARTOSM is a platform upon which you can build your coverage.

Coverage that can withstand the tests of time.

Bibliographers call a book printed as 4 leaves per full sheet a “quarto”,

but bound in gatherings of 8 leaves each, a “quarto in 8s.”

We are starting at 4. Our goal is 8.

OUR FIRST OFFERING INCLUDES:

WHAT MAKES IT SPECIAL?

  • Solid Design
  • Industry Specific
  • Scalable to Fit Your Organization Size and Type
  • Personalizable to Fit Your Enterprise Risk Profile

SOLID DESIGN

EASY TO READ

DECLARATIONS

  • Graphic
  • Intuitive
  • Flows Through to Quote

GENERAL TERMS & CONDITIONS

Easy To Locate Claims Handling Information:

  • Advancement of Defense Costs
  • Reporting
  • Defense & Settlement

EASY TO ANALYZE

Upfront Coverage Grants:

  • Insuring Clauses
  • Optional Coverages

TRANSPARENT INTENT

(Transparent Intent = Claims Predictability)

  • Claim Commenced by Receipt, Not Filing
  • Streamlined Definitions Throughout 
  • Allocation – One Sentence

INDUSTRY SPECIFIC

INSURED PERSONS PRIORITIZED

(Healthcare at Its Core Is About People)

  • Priority of Payments for All Claims Puts Coverage of Insured Persons First
  • “Side A” Concepts Apply to All Liability Coverage Sections, Including No Retention and Advancement of Defense Costs
  • Side A Carveback to Privacy and Data Breach Exclusion for Executive Breach of Fiduciary Duty
  • Distinct Coverage Sections Allow for Building Dedicated Side A Excess/DIC Towers

ORGANIZATIONS EMPOWERED

(Nobody Knows the Healthcare Industry Better Than You)

DEFENSE AND SETTLEMENT

  • Reimbursement
  • No Panel Counsel
  • No Hammer Clause
  • May Settle Within 50% of Retention
  • Duty to Defend Available for Small Business Risks

NOTICE UNDER ONE COVERAGE SECTION IS NOTICE UNDER ALL


PERSONALIZABLE TO FIT YOUR ENTERPRISE RISK PROFILE

  • Scalable to Fit Your Organization Size & Type
  • Policy Can Be Adapted for Any Size or Type of Organization in the Healthcare Industry
  • Each Coverage Section Available Independently
  • Separate or Shared Limits Available (or any combination thereof)

LIMITS

Up to $10M in Limits Available for Each Coverage Section

CLASSES

Including:

Social Services, Allied Health, Home Health, Long Term Care, Physician Practices, Telehealth, Ambulatory Health and Hospitals

SIZE

Small, Middle Market and Large Organizations

COVERAGE SECTIONS


D&O

UNIQUE FEATURES:

  • Entity Liability Is Optional
  • Additional Executive Non-Indemnified Liability Is Optional

D&O OPTIONAL COVERAGES:

  • Antitrust
  • Provider Selection
  • Healthcare Fraud & Abuse
  • EMTALA
  • HIPAA
  • IRC
  • Derivative Demand

EPL

UNIQUE FEATURE:

  • EEOC & FEPA Reporting – 365 Days to Report (if renewed)

EPL OPTIONAL COVERAGES:

  • Third Party
  • Independent Medical Provider

FIDUCIARY

UNIQUE FEATURE:

  • Settlor Coverage, Included in Wrongful Act

FIDUCIARY OPTIONAL COVERAGES:

  • Voluntary Compliance
  • HIPAA
  • PPACA
  • IRC 4975
  • ERISA 501 (c)
  • PPA

CRIME

UNIQUE FEATURE:

Social Engineering, Included as an Optional Insuring Clause

ALL CRIME INSURING CLAUSES ARE OPTIONAL COVERAGES