Any named insured listed in the Declarations other than the First Named Insured.
Medical malpractice definitions may vary between medical malpractice insurance companies and these definitions are as general as possible. They are intended to provide general information but should in no way be construed as advice. Remember to always consult your policy.
All actual monetary damages. Damages do not include 1) punitive, exemplary, treble, or other multiple or additional damages in excess of actual compensatory damages, or 2) attorney's fees awarded to or incurred by the patient, whether such additional damages or fees may be awarded at common law or under any applicable antitrust, deceptive trade practice, or any similar federal or state law, statute and/or regulation.
Employees of the First Named Insured who are not physicians. These include physical therapists, physician assistants, certified registered nurse anesthetists, nurse practitioners, or nurse midwives. There is no individual coverage for any employed non-physician healthcare provider unless specifically stated on the Declarations, schedule of Additional Named Insureds, and/or endorsements. In addition, the insurance provided, if any, to the employed non-physician healthcare providers applies only to the professional services they render while employed and supervised by a named insured physician. There is no vicarious liability coverage for any employed non-physician healthcare provider unless specifically stated on the Declarations, schedule of Additional Named Insureds, and/or endorsements and that employed non-physician healthcare provider is individually named on the Declarations, schedule of Additional Named Insureds, and/or an endorsement.
Any act or omission in the rendering or failure to render professional services. Any such act or omission, together with all related acts or omissions resulting in injury from continuous or repeated treatment for substantially the same general condition or ailment to all persons involved therein or affected thereby shall be considered one medical incident.
The period commending on the inception date or effective date shown in the Declarations and ending upon the earliest of the effective date of termination, expiration or cancellation of coverage under the policy.
The practice of a physician or other non-physician healthcare provider, or serving as a member of a duly established committee or board of a hospital medical school or professional society or association, acting within the scope of such insured's duties with respect to a) medical staff privileges, or b) accreditation or disciplinary matters relating to competency.
A civil proceeding in which damages because of injury to which this insurance applies are alleged. Suit includes 1) an arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent, or 2) any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent.