Facilities and Special Programs

The division of Hospitals and Special Programs is designed to be your “one stop” for accounts that require medical malpractice protection. Staffed by professionals well versed and experienced in healthcare, our products are comprehensive and reflect coverage for modern day exposures that give rise to claims. Your clients can expect an emphasis on customer service and benefit from the years of knowledge we have acquired in this evolving industry. Underwriting and Risk Management are housed within the same department, thus offering seamless support. The program also administers PRI’s alternative risk financing program and access to our rent a captive facility for qualified participants.

PRI is a New York State admitted carrier that has been in existence since 1982.

PRI is the second largest underwriter of professional liability insurance for physicians in New York State and is on the top ten list of largest writers in the United States.

PRI is approved by the New York State Department of Insurance to underwrite professional liability coverage and general liability coverage for doctors, hospitals and healthcare facilities in New York State.  We do not presently provide coverage in states other than New York, except as incidental.

As a licensed and admitted carrier in the State of New York PRI policy holders are protected by the New York State Guarantee Fund.

Professional Liability coverage is available either on a claims-made or occurrence non-assessable basis.  "Nose" and "Tail" coverage can also be provided. 

Comprehensive General Liability coverage is offered on an occurrence basis only.

Minimum premium may apply.

Facilities and Special Programs Product Offerings:

  • Ambulatory Surgery Centers
  • Article 28 Clinics
  • Cardio-Rehabilitation Centers
  • Children’s Hospitals
  • College Based Clinics
  • Community Health Centers
  • Counties and Municipalities
  • Dialysis Centers
  • Drug Treatment Centers
  • Hospitals
  • HealthCare Facilities
  • Home Health Agencies
  • Hospice Care
  • Imaging Laboratories
  • Laboratories
  • Medical Schools & Universities
  • Nursing Staffing Agencies
  • Outpatient Programs for Developmentally Delayed Children or Adults
  • Physical Rehabilitation Centers
  • Psychiatric Hospitals
  • Psychiatric RehabilitationTreatment Programs
  • Surgicenters

Also offered:

  • Gap and Vicarious Coverage
  • General Liability Coverage
  • Excess Coverage

PRI will also consider writing coverage in excess of a Self Insured Retention Fund (SIR)

Limits of liability offered are $1 million/$3 million on a primary or excess basis.  Additional limits are available.  Defense costs do not apply toward the occurrence or aggregate limit.

Competitive broker commissions are paid on both new and renewing business.

PRI's underwriting philosophy is to tailor coverage and customize programs that are responsive to a client's needs.

PRI will also provide first-dollar claims-handling services for clients seeking excess limits only.

Deductibles are available and may be subject to escrow procedures.

Voluntary Attending Physician Program (VAP) premium discounts are available to voluntary attending physicians affiliated with PRI insured hospitals.

PRI employs its own investigative staff to review potential and asserted claims.  Our Field Investigators are registered nurses, allied health professionals and paralegals with several years of claims investigation experience.

On site risk management surveys will be routinely performed on all new and renewing business.  Clients will have access to a wide range of educational programs that focus on quality care initiatives and minimizing claims.

Clients will have access to PRI’s award winning web based risk management programs entitled, “Prevention of Medical Errors”. This interactive patient safety training program is designed primarily for physicians and uses actual case studies as the teaching base.

Loss runs are generated quarterly, or as otherwise requested, and can be made available in Microsoft Excel® format, hard copy or electronic versions.

PRI’s in-house actuaries perform special studies and analyses that can be made available via customized reports on an annual or quarterly basis.

PRI has offices in Roslyn, Long Island and Rochester, New York.

For additional information, please contact: 

  • Shana Powell, Director of Underwriting, Department of Hospitals & Special Programs, Telephone 516-365-6690, s.powell@medmal.com
  • Mellissa Tso, Assistant Director of Underwriting, Department of Hospitals & Special Programs, Telephone 516-277-4076, M.TSO@MEDMAL.COM
  • Diana Moore, RN, CPHQ, CLNC, Director of Hospital Risk Programs, Department of Hospitals & Special Programs, Telephone 315-506-6768, d.moore@medmal.com

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