Healthcare provider

A schedule in this class that does not show one of these raises the finding "usually held in healthcare provider, not on this schedule". Absence is a question, not a fault: the cover may sit inside another policy or have been declined on purpose.

• Medical malpractice
  Your legal liability for injury to a patient arising from clinical care, treatment or advice given by you or your staff.
• Public liability
  Your legal liability to third parties for injury or property damage arising from your premises and operations, and in the AU and UK combined form for the products you sell.
• Cyber
  Your own costs after a security incident (forensics, notification, restoration, business interruption from a network outage, extortion) and your liability to others for the data and systems you failed to protect.
• Property
  Physical loss of or damage to your buildings, plant, stock and contents from fire, storm, water, impact, theft and the other insured perils, up to the sum insured.
• Workers compensation (statutory)
  Medical costs, weekly payments and lump sums for employees injured at work or made ill by it, under the scheme of the state or country where they are employed.
• Directors and officers
  Defence costs and damages when directors, officers and (under management liability) the company itself are pursued for a wrongful act in managing the business: regulators, shareholders, creditors, employees.
• Employment practices liability
  Defence costs and damages for claims by employees and applicants: unfair or wrongful dismissal, discrimination, harassment, bullying, breach of employment contract.

Raises the finding "often needed in healthcare provider and often lacking, not on this schedule". Worth a written answer either way, so a retained exposure is a recorded decision.

• Business interruption
  The gross profit or revenue you lose, and the extra cost of keeping the business going, while property damage stops or slows you, for the indemnity period the policy states.
• Crime and fidelity
  Direct financial loss from dishonesty by employees, and on the wider forms from third-party fraud: forged cheques, funds transfer fraud, computer fraud and social engineering.
• Clinical trials liability
  Compensation to trial participants for injury arising from a clinical trial you sponsor or run, in the form the ethics committee and the jurisdiction require.
• Statutory liability (fines and penalties)
  Defence costs and, where the law allows them to be insured, fines and penalties for unintentional breaches of statute: workplace safety, environmental, consumer and corporations law.
• Machinery breakdown
  Sudden and unforeseen mechanical or electrical failure of plant and machinery, the repair or replacement cost, and where extended the profit lost while it is down.
• Electronic equipment
  Breakdown and damage to computers, servers, control systems and other electronic equipment, with the cost of restoring data and the extra cost of working while it is down.

Yes. Businesses in this class usually hold cyber cover and their customers, regulators and lenders usually ask for the certificate, so the register raises a separate finding with the underwriting baseline behind it.

Check your schedule against this class

Paste the schedule with a first line industry: healthcare provider, or pick the class from the list, and the register names the lines from these two tables that the schedule does not show, beside the arithmetic on every line it does. Six lines free, no account.