insureTelerad.com designs liability insurance policies for teleradiology with a number of formats and across several markets. Depending upon the businsess objectives of our clients, we craft policies in the admitted or excess/surplus lines markets.

We insure preliminary and final reads across all modality mixes including mammography.

Premium can be based upon volume, jurisdiction, and modality mix or we can sell a per-physician policy based upon specialty. Our deductibles are typically indemnity-only, however we can craft a deductible to include defense costs and indemnity. We can also provide first-dollar coverage – or zero dollar deductibles.

Limits of liability can vary and we have written policies with coverage of $250,000 per occurrence up to $3,000,000 per occurrence. The typical form is $1,000,000 per occurrence. Physician’s aggregate limits are typically $3,000,000 up to $6,000,000 and it is customary that we wrap all policies with a policy aggregate upwards of $10,000,000. Higher indemnity limits are negotiable and available.

Our policies are mostly claims-made – and on certain occasions can draft occurrence coverage for those seeking to eliminate the purchase of a tail. The coverage trigger is an Incident format – although we could write a written demand format. Consent to Settle is available.

All of our policies provide for freedom of movement across the US and internationally. So we provide worldwide coverage for those suits brought within the US and its territories.

Our Individual teleradiologist policies are written on a per-physician format.

Most of our group policies are written on a volume-format and eliminate the need additional premium when adding a physician – or additional premium when a physician leaves. Our volume-based policies do not require the purchase of an extended reporting endorsement (“tail”) when a radiologist leaves the company. Rather, her/his interpretations will remain covered in perpetuity until the master corporate policy is canceled. All of the volume-based policies will offer the opportunity to purchase tail when the corporate policy is canceled to cover every read ever provided on behalf of the organization insured.