Professional

Why It Matters:  Medical spas continue to expand the range of services they offer, from aesthetic procedures to weight loss, IV therapies, and alternative, regenerative, or off-label treatments. As offerings evolve, coverage may be impacted by how services are delivered, who performs them, and whether treatments—including non-FDA-approved or compounded products—are disclosed and contemplated within the policy. Policies may include exclusions, limitations, or require specialized coverage to address…

Scenario 1:  An assisted living facility is sued over alleged malpractice after a resident’s death following a fall injury. RELATED STAT: A wrongful death lawsuit can lead to millions of dollars in damages, in addition to reputational harm. SOLUTION: A Medical Professional Liability Insurance policy can help pay for legal defense, settlements and more. Excess Liability Insurance may also be…

Inside This Article:  Several California residents are suing two healthcare systems over allegations that an AI transcription tool recorded their visits without consent.  Older privacy laws are frequently being applied to modern AI tools and data collection practices.  Healthcare organizations should review Cyber, Privacy, and Healthcare Liability Insurance coverage to understand potential gaps tied to AI-related privacy claims.  Companies implementing AI…

Inside This Article:  A $19 million Denver Zoo sea lion habitat project is at the center of a lawsuit alleging design and construction failures.  The lawsuit alleges multiple defects in the recently opened habitat, including improper water levels, leaks, and cracking.  Architects & Engineers (A&E) Professional Liability Insurance plays a key role when claims arise from alleged design errors or failure…

The Professional Liability market remains competitive, with emerging pressures taking shape in select segments. See how rising severity, evolving Cyber risk, and early signs of firming are influencing coverage and underwriting.