Employment Practices and D&O
Provides liability insurance protection for the business entity and/or its directors, officers and employees for allegations, administrative proceedings and suits relating to:
Wrongful dismissal, discharge or termination of employment
Violation of employment discrimination laws
Sexual and other harassment
Wrongful failure to hire or grant tenure
Invasion of privacy
Employment-related defamation, infliction of emotional distress
The recent expansion of government regulations make healthcare providers vulnerable to allegations of fraud, abuse and the misuse of private healthcare information. RAC (Recovery Audit Contractors), ZPIC (ZoneProgram Integrity Contractors) and Commercial Payor task forces are aggressively reviewing Medicare and Medicaid providers for compliance with proper billing, HIPAA, STARK and EMTALA laws.
While commonly referred to as “fraud prevention efforts,” the allegations in these audits are rarely fraud or abuse, instead, they’re subjective allegations that leave every healthcare provider vulnerable to being accused of improper billing
MEDEFENSE™Plus from... MORE
Social Services Professional and General Liability
Beyond traditional medical malpractice insurance, NAS offers expanded PL/GL coverage to meet the growing needs of personal, family and community services organizations.
Eligible classes include, but are not limited to, the following:
Adult Day Care
Mental Health Facilities & Services
Alcohol and Drug Rehab Centers
Physical/Developmental Disability Facilities
Meals on Wheels
Ineligible Classes: Foster Care Exposures, Adoption Agencies, Juvenile Detention Centers
Ineligible States: Alaska, Hawaii, Florida (Miami-Dade, Palm & Broward... MORE
MEDEFENSE™ Plus (Reinsurance Basis)
Our renowned MEDEFENSE™ Plus is also available on a reinsurance basis for medical professional liability insurers. Available as a customized integrated product of a primary med mal policy, NAS provides this breakthrough regulatory billing E&O coverage to insurers of all types and sizes. In addition to the insurance coverage, NAS also provides comprehensive support services including customized policy wordings, underwriting, risk management resources and expert claims handling.
Miscellaneous Medical Malpractice (Allied)
NAS’ Allied Medical Malpractice insurance offers some of the broadest medical malpractice coverage in the market.
Limits for Professional and General Liability are available up to $6,000,000.
Unique features of the facility include our e-MD™ and MEDEFENSE™ Plus endorsements. e-MD™ cyber liability provides coverage for patient notification and credit monitoring costs, network security and privacy, data recovery costs and media liability.
MEDEFENSE™ Plus provides insureds essential coverage for HIPAA, EMTALA, and STARK violations (including allegations of over-billing and RAC audits.)
Sexual Misconduct, Hired and Non-Owned Auto, Defense Outside the Limit, and... MORE
Professional liability coverage for physicians and surgeons who have had claims frequency or severity issues, board actions, or have been, or are currently on, probation.
The following providers may also be included as additional insureds:
Registered Nurse Practitioners
Certified Registered Nurse Anesthetists
e-MD™ Cyber Liability For Healthcare
Physicians and other healthcare entities are increasingly exposed to privacy related claims such as lost laptops, rogue employees, hacking and virus attacks which can result in an embarrassing and costly loss. e-MD™ is NAS' cyber liability product that offers insurance protection designed for the unique Network Security & Privacy related exposures faced by physicians, dentists, medical groups, hospitals and other healthcare related organizations.
Network Security & Privacy Insurance - Includes coverage for both online and offline information, virus attacks, denial of service, and... MORE
Miscellaneous E&O for Healthcare Professionals
Whether you’re a physician providing consultative services, a company providing healthcare consulting services, or a Medical Director seeking protection for administrative duties, we have enhanced our E&O program with more robust coverages for a growing list of exposures. Coverage can extend to consulting companies.
NAS can cover most medical-related services for risks that fall outside a medical malpractice policy due to no direct patient contact.