ATTENTION:

 If you have any affiliation with Crossfit, Inc please contact Hagan Benefits before applying.

PROFESSIONAL LIABILITY INSURANCE  -                                               Certified and Non-Certified                                                                             Individuals ONLY!
Take care of yourself before you take care of others
As a professional, you've devoted years to study and training. Your skills and experience are constantly being tested under stressful conditions and with difficult clients. How you respond could determine your professional reputation and your future.
 
Under such circumstances, it's all too easy for something to go wrong. A malpractice suit or a charge of negligence - justified or not - could mean the end of your career. That's why your professional association recommends that you have your own Professional Liability Insurance. We offer this program underwritten by the Chicago Insurance Company, a member of Interstate National Corporation (one of The Fireman's Fund Insurance Companies) and arranged for you through Hagan Benefits. This program is administered by Maginnis & Associates.
 
As specialized as you are.
This professional Liability Insurance program is designed especially for professionals like you. Coverage provides protection whether you are employed full-time or part-time. If you have your own practice, this program will provide important fundamental coverage.
 
It helps protect your future.
Because this program uses an "occurrence form" you are covered for designated professional services performed during the term of the insurance certificate…no matter when the suit of claim is made. This means you have protection now and in the future - even after the insurance certificate expires or you retire or change jobs - for any covered claims resulting from covered services you performed while the insurance certificate was in force.
 
It helps protect you.
This professional Liability Insurance Program protects you against covered claims arising from real or alleged negligence resulting from your acts or omissions in the practice of your profession. It also helps protect you if someone you supervise, and for whom you are legally liable, is named in a suit.
 
Program Features
You have a choice.
Your coverage limit depends on your needs. You can select limits of $2,000,000 per incident; $4,000,000 annual aggregate for Professional Liability Coverage, or limits of $1,000,000 per incident; $3,000,000 annual aggregate for Professional Liability Coverage.
 
Your defense costs are covered.
This coverage will pay legal fees and court costs incurred by the insurer on your behalf, for covered claims, in addition to the liability limits, even if the suit is groundless, false or fraudulent.
 
Your expenses are reimbursed.
Regardless of the limits of liability you choose, if you lose earnings or incur expenses at the insurer's request, you will be reimbursed up to $10,000 per incident.
 
You have worldwide protection.
You are covered anywhere in the world, as long as the claim is made or suit is brought in the United States or its territories or possessions.
 
Benefits
Self-Employed NSCA Members will receive:

• An individual aggregate limit of coverage is provided for each member of a group or business, instead of the group or business sharing one limit on a corporate policy.
• Volunteers are automatically covered.
• A qualified "consent to settle" clause which requires your consent to settle claims.
• "Product Hazard" coverage for equipment specifically designed, made or altered by you for a patient or client.
• Lost wages - pays up to $10,000 per incident for attendance at a trial, hearing or arbitration proceeding for a covered claim. "Reasonable expenses" are also included in this limit.
• Reimbursement of defense costs up to $5,000 per incident/$10,000 annual aggregate for the investigation or defense of all proceedings before any entity responsible for regulation of your professional conduct. (i.e. licensing board)
• Expense reimbursement, up to $5,000 for legal representation for depositions related to your professional duties. This coverage applies when you are not named in a claim but required to be deposed, for instance, as a witness to the event.
• Locum tenens option provides coverage when another professional temporarily assumes your duties and provides services on your behalf for a specific period of time. The locum tenen shares in the limits of the professional being replaced.
• Managed care contracts are specifically addressed; if you assume liability in a contract, you will be covered for negligent acts for which you are solely responsible.
• Reimbursement for first aid expenses, providing up to $2,500 for medical supplies when you respond to an emergency.
• First party assault coverage is provided up to $5,000 per assault/$10,000 annual aggregate. This includes travel to and from the workplace.

Employed NSCA Members will receive:

• Occurrence form protection which covers malpractice claims against you now, or anytime in the future, as long as the incident happened while your certificate was in force.
• Coverage limits up to $2,000,000 per incident/occurrence, $4,000,000 per policy period.
• Portable coverage that travels with you from job to job.
• Legal defense cost coverage in addition to your limit of liability even if a suit is groundless, false or fraudulent.
• Your protection includes a "consent to settle" clause which requires your consent to settle claims.
• Lost wage reimbursement, up to $10,000 per incident, if you must attend a trial or other proceeding at the company's request.
• Licensing board defense reimbursement of up to $10,000 per incident/$10,000 per policy period for the investigation or defense of all proceedings before any entity responsible for regulating your professional conduct.
• Expense reimbursement for legal representation if your are not named in a suit but are required to appear at a deposition, for instance, as a witness to an incident.
• Supplemental Liability for non-business pursuits.
• Medical Payments Coverage for non-business pursuits, for example, if someone is injured in or around your home - up to $75,000 per policy period.
• A leave of absence option is available to individuals for leaves from 30 days to 6 months.
• Assault coverage of up to $5,000 per assault / $10,000 per policy period if you are assaulted. This includes travel to and from the workplace.

Coverage Restrictions
This program is designed to provide professional liability insurance protection. You are not covered while operating a motor-driven vehicle, when engaged in any other business outside your professional duties, when engaged in an unlawful action or when acting as a proprietor, owner, partner, manager, superintendent, or officer of any hospital, sanitarium, medical clinic, health maintenance organization, managed care facility or foster care agency not specified in the Declarations. You are not covered when acting as a physician, surgeon, dentist, nurse midwife, chiropractor, podiatrist, osteopath, psychiatrist, cytotechnologist, or perfusionist or any other medical specialist not named in the declaration. See insurance certificate for complete list of exclusions.
 
Apply now for professional liability coverage
You work hard every day to earn your clients trust and your own professional reputation. It takes just a moment to lose everything you've worked for, but you can take the first steps now to protect yourself and your future.

 
 
Exclusively for members of The National Strength and Conditioning Association, our insurance administrator, Hagan Benefits has developed an insurance benefits package that will assist you in selecting plans to meet the financial needs of your members.