Malpractice Policy Exclusions

 

Policy Exclusions

Medical Malpractice Insurance policy exclusions are put in place to make sure the insurance carrier doesn’t pay for claims that originate from conduct or situations outside of the agreed upon policy terms. In other words, an insurance carrier will not defend and compensate on the insured’s behalf if the claim involves an exclusion. Exclusions are clearly laid out in the policy, and the insured is made aware of them before signing final documentation.

Common policy exclusions include sexual misconduct and harassment, illegal activities like theft, patient or hospital record alteration, and misrepresented or misconstrued information on an application. The latter emphasizes the importance of correctly filling out an insurance application and giving accurate information to agency representatives. Since carriers and brokers are not bound by claims that deal with exclusions, they are not required to cross-reference applicant information with external sources. Thus, it is the insurer’s responsibility to accurately answer application and representative questions to the best of their ability.

If you have any further questions regarding exclusions to your current or potential policy, give us a call at (805) 499-7300.

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