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Medical Malpractice

Ambulance Services Malpractice Insurance

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This wholesale insurance product offers a comprehensive, flexible solution designed specifically for ambulance services. It provides essential coverage, including professional liability (malpractice) for paramedics and EMTs, general liability for business operations, and commercial auto coverage tailored for emergency vehicles. Key features include high-limit capacity, broad coverage forms, and the ability to bundle multiple lines to create a seamless package policy. This product is ideal for managing general agents and wholesalers seeking a competitive, reliable market to place ambulance accounts of all sizes.

Ambulance Services Malpractice Insurance with SPG

Coverage Classes

  • Air and Ground Emergency Transport
  • Non-Emergency Transport
  • EMT’s and Paramedics

Policy Highlights

  • Medical Professional Liability
  • Medical General Liability

Optional Coverage Enhancements

  • Occurrence Form
  • Coverage for Loading and Unloading
  • Volunteers as Insureds
  • Hired and Non-Owned Automobile Liability

Claims Example:
While at home a patient suffers a neck injury that restricts blood flow to the brain. The patient’s spouse calls 911. The ambulance takes 15 minutes to arrive. The ambulance takes the patient to the hospital, where surgery begins almost an hour after the onset of the problem. The patient survives, but with severe brain damage. According to expert medical witnesses retained by the patient’s attorney, if the surgery had started within 20 minutes of the 911 call, the patient would likely have made a full recovery. This case was settled for $1M with the ambulance services paying $350,000 in indemnity and $63,895 in defense expenses.

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