HPL Policy Attributes

At BerkleyMed, we are particularly proud of our underwriting capabilities and the resources we have to offer.  We take a multi-disciplined underwriting approach that incorporates finance, claims, risk management, actuarial, and underwriting expertise.  This process gives our Underwriting and Policy Issuance Team a unique insight into analyzing your clients' organizations so that we can work to match policy terms, conditions, and structures for long term cost stability.

Customized Risk Financing Structures
Innovative, flexible, and responsive are all words used to describe the risk financing structures that the BerkleyMed team has developed to meet the needs of our clients.  We will work with you and your clients to determine the best structure alternatives to meet needs.  Some example structures include:

• Performance based programs
• Non-traditional aggregate protection
• Multiple aggregate limits programs
• Multi year agreement

Coverage Forms and Endorsements
Manuscript endorsements reinforce our commitment to offer creative, flexible, and timely solutions for your clients.  We are constantly working to adapt our Coverage Forms and Endorsements library to address the ever-changing healthcare environment.

Coverage Forms

Potential Endorsements

• Treatment of Expenses, Costs and Interest  - Indemnity Only, Eroding or Pro-Rata
• Batch Event
• Aggregate Limits of Liability - Dual Tower Structure
• Renewal Agreement - Multi Year Programs
• Physicians as Insureds
• Conditions - Extended Reporting Period - Specify Maximum Premium Percentage Applicable to ERP
• Named Perils Patient Injury
• Conditions - Cancellation - Financial Rating of Company