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Pregnancy Resource Center Investigative Insurance Questions
Liability insurance is a necessity, and it can be a very confusing issue to navigate. The following document was prepared to assist Executive Directors/CEOs/Boards of Directors as they review their insurance needs and potential insurance providers. Focus on the Family offers this tool to help you become educated on the specifics about liability insurance and those who provide this product.
General Liability covers the non-professional risks of the PRC. Included in this coverage are client “slips and falls”, damage to the building due to the PRC's negligence (as in rented space), as well as injury of a non-professional manner to third parties. Note – consulting, sonograms and STD testing or treatments are risks not typically covered by General Liability.
Professional Liability covers those risks of a professional nature not covered by General Liability. This includes all risks peculiar to the clinic, including sonograms, STD testing (and possibly treatment), administration of prescriptions, etc. (slips and falls even in the clinic would continue to be covered by General Liability). This coverage also covers counseling.
Property coverage is generally comprised of three distinct parts, described below as A, B and C. All PRCs need A, a few may also need B, and those that own a building or rent an entire building may also need C.
Directors and Officers covers independent directors, or board members, and the Executive Director/CEO as an officer of the PRC, from outside lawsuits of various kinds. Ask your insurance carrier for details as policies vary greatly from one insurer to another.
Worker's Compensation covers on-the-job injuries to PRC employees and volunteers. Most states require PRCs to purchase this coverage.
Auto Insurance for Owned Autos: All vehicles owned by the PRC should be insured at minimum for liability, medical payments and uninsured or underinsured motorist liability. Older vehicles may not warrant carrying physical damage coverage due to the value of the vehicle and the cost associated with purchasing comprehensive and collision coverage.
Hired and Non-owned Auto coverage replaces or augments the liability coverage offered by rental agencies. Non-owned coverage protects your company in the event that it is sued due to an accident involving an employee using their personal vehicle or a rental vehicle for company business. This coverage can be added by endorsement on a General Liability policy or written as a separate policy.
Since General Liability and Professional Liability policies work together to cover various risks within the PRC, it is recommended that they be purchased from the same insurance carrier at the same time. Professional Liability policies should be tailored to the PRC's needs.
Virtually all Professional Liability policies cover counseling, sonograms (check to see if your insurer will cover sonograms during all three trimesters), STD testing (see note under Professional Liability), and prescription dispensing (but often not prescribing). Check with your insurer to confirm all clinic exposures are covered.
Coverage for laminaria removal, etc. should be available, but it should not be purchased if the PRC does not have this type of exposure. The policies covering these risks are more expensive than is generally necessary for the typical PRC. Additional coverages may be purchased separately.
Asking Good Questions
Below are some questions PRCs should answer before purchasing insurance. Each PRC should ask prospective insurance providers for answers to any question that is important to the organization. (The order of the questions does not imply importance.)
General Coverage Questions
Specific Coverage Questions
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