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AIG HIGHER EDUCATION RISK SOLUTIONS ®
MEDICAL MALPRACTICE INSURANCE
Securing sound financial protection for potentially devastating medical malpractice claims is crucial to institutions of higher education.
Preventing losses and mitigating damages when claims do occur is equally vital. AIG Higher Education Risk Solutions® Medical Malpractice
Insurance is designed to support institutions on all three counts.
Our AIG Higher Education Risk Solutions coverage provides broad, highly rated general and professional liability protection for employees, students
in training programs, volunteers and physicians (by endorsement) for claims arising from medical related professional services. Coverage encom-
passes an institution’s medical center, university health clinics (student or non-student health clinics) as well as student health centers. And
along with expansive coverage, AIG Higher Education Risk Solutions coverage gives institutions market-leading risk management services and
expert support in mitigating claims.
Keeping the Bottom Line Healthy
AIG Higher Education Risk Solutions Medical Malpractice Insurance protects insureds with:
• Primary professional/general liability limits up to $1 million each medical incident or occurrence and $3 million annual aggregate
• Excess & umbrella limits up to $25 million each medical incident or occurance and $25 million annual aggregate
• Claims made professional liability insurance that applies a broad definition of professional services, including: medical, surgical, dental,
nursing or other health care services, encompassing but not limited to the furnishing of food or beverages in connection with such services; the
practice of nuclear medicine; the furnishing or dispensing of drugs or medical, dental or surgical supplies or appliances; and the handling or
treatment of deceased human bodies, including, but not limited to, autopsies, organ donation or other procedures
• Claims made professional liability and claims-made or occurrence general liability coverage that includes bodily injury, property damage,
personal and advertising injury
• Defense costs can be covered inside or outside limits
• Minimum premium of $50,000; minimum deductible SIR or $10,000
Services to Manage Risk
AIG Higher Education Risk Solutions provides access to a range of risk management services that help institutions keep abreast of developments
in medical malpractice insurance and the latest practices for mitigating risk and improving patient care. These services include regional conferences
on key risk issues pertinent to institutions of higher education; a quarterly newsletter covering risk management related topics; and teleconferences
that make it easy for insureds to access expert commentary on risk issues that matter to their institutions.
Expertise to Mitigate Claims
Should an insured face a claim, the expert staff of the AIG Healthcare Malpractice Claims Unit is at their service. The unit combines its own extensive
experience with the highest quality defense counsel, investigators, and expert witnesses to help insureds minimize damages and achieve the most
positive possible outcome in claims and litigation.
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With AIG Higher Education Risk Solutions, you can be certain you’re securing exceptionally stable, large-scale capacity—and coverage that is
backed by the highest financial strength ratings available. AIG Higher Education Risk Solutions draws on the extensive worldwide resources and
expertise of the member companies of American International Group, Inc. (AIG)., one of the world’s leading international insurance organizations, to
provide higher education institutions with the robust and reliable protection required in today’s perilous claims and litigation environment.
For more information, please e-mail us at HigherEd@aig.com, or visit us at www.AIGHigherEd.com.
The product descriptions in this brochure are not a complete description of all items, exclusions and conditions in the policy. Policy terms may be changed by the insurer from time to time, and the preceding descriptions are not intended to be relied upon
by brokers or potential insureds. Brokers interested in any of the captioned products should request a specimen copy of the policy itself for the precise scope and limitations of coverage. Issuance of coverage is subject to underwriting.
U.S. risks placed with a surplus lines insurer must be placed in accordance with surplus lines laws and other applicable laws. Surplus lines insurers do not generally participate in state guaranty funds and insureds are not protected by such funds. The
surplus lines market is a brokered market providing flexibility in rate and form to meet customer needs for high risk and specialized insurance products. All placements with surplus lines insurers are subject to underwriting by the insurer. Products may
not be available in all states. The information contained herein is for general information purposes only and does not constitute an offer to sell or a solicitation. The information provided herein is made available only on request by an insurance
100 Summer Street . Boston, MA 02110 . 617.330.1100 . www.AIGHigherEd.com
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