Coverage
Coverage Overview
Rubicon offers a variety of insurance coverages to protect you and your business.
What It Covers
- Legal Fees for complying with data breach notification laws
- Securing legal counsel to advise on incident response
- Losses due to Cyber Crime
- Responses to Ransomware demands
- Paying regulatory defense and penalties from privacy law violations
- Reimbursing a company for certain out of pocket expenses from a breach
Who It Covers
- Any company that handles, uses, accesses, stores or transmits Private Information electronically or physically. (Essentially any company using computers and connected to the internet!)
What It Covers
- Legal Fees (for both the Board Members and the Company)
- Damages (including some limited Punitive Damages )
- Settlements (which include the plaintiff’s attorney expenses)
Who It Covers
- Owners of a Company
- Individuals serving on a Board of Directors
- Medical Directors or members of a Peer Review or Credentialing Committee
- The Company (whether it’s a Corporation, LLC, Partnership or a Sole Proprietorship)
Fiduciary
What It Covers
- Legal fees for individual fiduciaries and companies
- Damages
- Government imposed fines and penalties
Who It Covers
- Owners of a company
- Individuals serving on a Board of Directors
- Individuals administering employee benefit programs
What It Covers
- Legal Expenses (approved legal fees incurred in defense of a billing error, HIPAA, EMTALA or STARK Proceeding)
- Audit Expenses (expense arising out of a billing error, HIPAA, EMTALA or STARK Proceeding, including pre-approved Shadow Audits performed as part of a policyholder’s defense)
- Fines & Penalties (multiplied or punitive damages are excluded)
Who It Covers
- Physicians and Physician Groups
- Billing Companies
- Medical Facilities, Nursing Homes, Hospitals
- Durable Medical Equipment Manufacturers
What It Covers
- Legal defense and settlement costs for allegations either direct Medical Malpractice or vicarious liability
Who It Covers
- Medical facilities
- Companies providing administrative support or services to Healthcare organizations
- Vendors designated as affiliated organizations under the Affordable Care Act
Professional Liability
What It Covers
- Legal defense costs
- Settlement costs
- Judgement costs
- Regulatory fines and penalties (if available)
Who It Covers
- Companies or individuals who provide services for a fee whether or not required by contract
What It Covers
- Legal defense costs
- Settlement costs
- Judgement costs
- Regulatory fines and penalties (if available)
- Errors in performing or failing to perform technology services for others for a fee
Who It Covers
- Unlimited tail coverage. Designated to follow the form of the prior malpractice program
Don’t See What You Need?
Some coverages are not shown. Let us know what insurance you need and we will be happy to assist you.