RF Ougheltree Insurance

Allied Healthcare

Eligible Accounts:

No restrictions.  Eligible accounts include but are not limited to the following classes: 

List of Classes


  • Stand-alone Professional Liability (Claims Made form)
  • Combination General Liability (Occurrence or Claims Made form) / Professional Liability (Claims Made form)
  • Limits are offered on a per claim basis up to a policy aggregate
  • Defense Costs in Addition to the Limits
  • Incident Sensitive Trigger
  • Separate Towers of Liability
  • Multiple Options for Tail Coverage
  • Coverage provided for ancillary medical staff automatically
  • Coverage for Independent Contractors
  • Direct Patient Physician Coverage
  • Sexual Abuse and Molestation Coverage
  • Hired & Non-Owned Auto
  • First Dollar Coverage up to $500,000 SIR

Coverage Options that are available from certain insurers:

Defense Costs and fines and penalties

Billing Errors-Defense costs and fines and penalties arising from actual or alleged Billing Errors.  Coverage extends to allegations made by Governmental Agencies, Qui Tam Plaintiffs and Contractors Working On Behalf Of the Government such as the Recovery Audit Contractors (RAC) and Zone Program Integrity Contractors (ZPIC) as well as Commercial Payors.

Medical Regulatory Violations-Defense costs and fines and penalties arising out of Medical Regulatory Violations.  Coverage extends to HIPAA (Patient Privacy), EMTALA (Emergency Medical Treatment and Active Labor Act) and STARK (Physician Self-Referral) violations as well as allegations made by Governmental Agencies, Qui Tam Plaintiffs, Contractors Working On Behalf Of the Government (such as RAC and ZPIC), and Commercial Payors.

Data Security and Privacy Coverages:

  • Network Security & Privacy Insurance – Coverage for third party claims alleging a financial loss as a result of a network security or privacy breach.  Includes coverage for both online and offline information, virus attacks, denial of service, and failure to prevent transmission of malicious code.  Also extends coverage for defense costs and fines/penalties for violations of privacy regulations including but not limited to HIPAA, Red Flag Rules, and the new Hi-Tech Act.
  • Multimedia Insurance – Coverage for both online and offline media.  Including claims alleging copyright/trademark infringement, libel/slander, advertising, false advertising, plagiarism, and personal injury.
  • Privacy Breach Responses Costs, Customer Notification Expenses and Customer Support and Credit Monitoring Expenses  – Includes all reasonable legal, public relations, advertising, IT forensic, call center, credit monitoring and postage expenses incurred by the insured for a privacy breach response.
  • Network Asset Protection – Coverage for all reasonable and necessary sums required to recover and/or replace data that is compromised, damaged, lost, erased or corrupted.  Coverage also includes business interruption and extra expense coverage for income loss as a result of the total or partial interruption of the insured’s computer system.  Includes coverage for cyber-terrorism.
  • Cyber Extortion - Will pay extortion expenses and extortion monies as a direct result of a credible cyber extortion threat.



In most cases we can use any carrier’s applications / claim supplements as long as they provide the necessary underwriting information and are currently signed and dated. An Application Acceptance and Representation Statement and No Known Or Reported Loss Form may be required.

  • Claim Supplement for all incidents reported within the last 5-7 years
  • Currently Valued Loss Runs for the last 5-7 years
  • Expiring Declaration Page


Medical Facilities and Providers Insurance


Temporary Medical Staff Make Tempting Litigation Targets

Non-Emergency Medical Transport - What Drive This Professional Liability Risk?

A Prescription that Works for Pharmacy Risks

Specialty Lines:2013 Wrap-Up

A 20/20 View of Optometry Risks

Other Coverages:

All or most other coverages that comprise the Hull & Company, Inc. (RFO) practice are appropriate. Contact a staff broker to discuss a particular account

All insurance product and/or coverage descriptions are informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverage may not be available in all jurisdictions.