Your policy is designed to provide coverage against allegations of negligence (true or false) that arise from "covered medical incidents" while you perform your professional services.
The policy defines a medical incident as "any act, error or omission in your providing or failure to provide professional services. This includes your responsibility for anyone acting under your direction and control."
Your policy may also provide the following additional coverages: disciplinary defense, personal liability, personal injury, and first party assault. To learn more about these coverages, see An Explanation of Coverage
Your policy will be written either on an occurrence or claim-made basis. Both policies are in force for a set time frame—typically one year. However, they differ on the type of event that triggers coverage.
Occurrence policies provide coverage for a medical incident that takes place during the policy period—regardless of when the claim is reported. It provides long-term coverage for any covered claim that may arise at any time in the future—up to the limits of the policy in force at the time the incident leading to the claim occurred.
Claims-made policies provide coverage for claims made during the period for medical incidents that take place while the policy is in force. A claims-made policy offers coverage on a year-to-year basis—up to the limits of the in-force policy.
An insurance policy is much more than a piece of paper—it's a commitment to deliver the claims service that stands behind the policy. CNA's commitment is to:
- Provide timely coverage analysis
- Make prompt assignments to defense counsel
- Bring healthcare experts into the evaluation process early
- Pay claims fairly and promptly while defending baseless claims aggressively
- Appropriately consult with you on the issues of defense, settlement, and claim resolution
Our staff is highly trained in appropriate claim procedures and the handling of litigation management. We encourage continuous education of our staff and provide on-site training by medical experts in specific areas of practice to assure that we have working knowledge of the profession, the standards, and the services being provided. We also stay up-to-date on the latest trends in claims and legal environment so you know we’re providing the most accurate information.