Directors & Officers Liability (D&O) & Employment Practices Liability Insurance (EPLI) coverage is designed to protect the decisions made by an organization’s management.  It defends companies and individuals against loss (damages and defense costs) arising from employment practice disputes. Common claims allege sexual harassment, wrongful termination, discrimination, breach of employment contract and wrongful discipline. Claims can arise from all kinds of acts, both intentional and accidental. These kinds of risks tend to have very big consequences, so the costs for defense can be huge.

A medical malpractice policy that is not specifically for managed care does not give full coverage for errors & omissions which occur in healthcare. Medical malpractice provides coverage for the delivery of medical care only. Managed Care Errors & Omissions Liability provides coverage for defense costs and damages (awards and settlements, including punitive damages, where insurable) brought against the organization, its officers, directors, medical directors, employees and volunteer staff for errors or omissions committed in the daily operation of the organization. It provides for many liabilities usually not covered by clinic or physician Malpractice Policies.

In addition, the policy provides coverage for direct and vicarious liability for maintaining the confidentiality of information regarding Medical Services and limiting the release or use of such information in conformance with requirements of law. Coverage also includes vicarious liability for the performance of or failure to perform a Managed Care Activity, the rendering of or failure to render medical services and any actual or alleged Sexual Activity.