We recommend that you examine several coverage conditions in the policies:
- How broad is the definition of who is an insured under the policy.
- Is the policy crafted for the practice of Naturopathic Medicine, or is it an altered allopathic or chiropractic policy.
- What are the exclusions? Is there a deductible?
- Is there a hammer clause?
- What, if any, are the “TAIL” provisions?
- What, if any, are the Death, Disability, and Retirement provisions?
- Are defense costs paid in addition to the liability limit or are they subtracted from the available limit?
- How much coverage is there for defense costs at Medical Board actions?
- Is there defense coverage for Sexual Abuse and/or molestation allegations?
- Is the coverage limited to a specific location or locations?