General, Product, Medical-Professional
Our standard policy includes $1M/$3M limits for General, Product, and Medical-Professional Liability, backed by a $5M umbrella that also sits over Auto and Workers Comp. We’re one of the only programs with 3 years of full tail coverage built in. Our coverage also extends to you 1099s - per your contract with them. No confusing carve-outs—just clear, comprehensive protection that meets hospital and credentialing requirements.
Why You Need Insurance
Scenario 1
A rep delivers a sterile-packed implant and, per surgeon instruction, selects the indication. Months later, the patient isn’t healing. A revision reveals a left knee was implanted on the right side. Everyone present—including the distributor—is pulled into the lawsuit.
Scenario 2
A patient experiences complications, and the implant is questioned. Although the rep followed protocol, their involvement in the device’s use and delivery triggers a negligence claim.
Even without altering products, your sales role, OR presence, and selection / delivery of the technology could mean real risk. Our program covers it.
Scenario 3
During surgery, a rep provides detailed guidance on their implant system in response to the surgeon’s questions. The patient later suffers complications, and in the investigation, the rep’s comments are scrutinized as contributing to the decision-making. The lawsuit names the distributor, arguing that advice given during the procedure influenced a clinical decision. Even without intent, reps advising in the OR can become entangled in high-cost malpractice claims.