U.S. Advisors, Inc.

Directors and Officers Liability

Coverage should be comprehensive with minimum exclusions to be truly effective in protecting HMOs, MSOs, providers, etc. The directors’ actions, business practices and decisions are constantly under review from regulators and the public and should be protected from serious financial loss arising from suits.

Suits can arise from employees, providers, customers, vendors, creditors, competitors as well as government agencies. While the entity/firm is at financial risk when a D&O claim is made, the board members’ personal assets are also at risk. D&O insurance can protect board members and officers against personal liability. Key D&O exposure includes anticompetitive acts, shareholder liability and mismanagement.

U.S. Advisors can work with you to implement a sound risk management program to identify potential gaps in existing insurance coverage and make recommendations for their correction. We are a specialized team of managed care liability experts and offer managed care firms the broadest coverage to protect your liability exposure, including Directors and Officers liability (D&O).

Protects balance sheet against suits brought against the corporation for areas of Managed Care by the acts of the Directors and Officers such as:

Failure to devote proper time and attention to the business
Financial operations of clinical services
Hiring and managing the staff
Vicarious Medical Malpractice Liability
Educating the nursing staff, physicians and other departments regarding operational issues
Coverage for your organization (entity) even if you have employed providers
Outside Board Exposure
Spousal Coverage
Suits from Shareholders
Anti-Trust Coverage for suits brought by both providers and competitors
Defense Expenses
Prior Acts

Program Features:

Crime insurance, cyber liability, directors & officers liability, employment practices liability, fiduciary liability, kidnap & ransom
Third party, antitrust and regulatory coverage options
EMTALA, HIPAA, excess benefit transaction and internal revenue code (IRC) coverage
Broad definition of insured persons

HMO Reinsurance

Provider Excess Insurance

Employer Stop Loss

Directors & Officers

Professional Liability

Rx Consulting

Capital Surplus Relief

Medical Malpractice

Captives

ACO Reinsurance

COOPs & Exchanges