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Arch Insurance Group Announces Coverage Enhancement to its Healthcare Facility Professional Liability Form

Arch Insurance Group, a member of Arch Capital Group Ltd., announces a new, specialized Healthcare Professional Liability product in the U.S.

Net Protection PLUS / Regulatory Defense PLUS Coverage*

According to Kevin O’Brien, Senior Vice President, who leads Arch’s Healthcare Liability Facilities unit; “As more patient data is stored and shared online, in email, and on mobile devices, there is greater risk of accidental and malicious exposure of their personal information. In addition, the government is increasing their enforcement of HIPAA and HITECH regulations, exposing healthcare organizations to significant fines and penalties should there be a breach of protected health information (PHI). We developed this enhancement for our Facilities policies in response to customer needs. We are offering eight important specialty coverages at no additional charge.”

This product includes Net Protection Plus cyber liability coverage and Regulatory Defense Plus for government billing audit expenses and fines, with a sublimit of $50,000.

The key features of this product include:

  • Multimedia Liability
    Coverage for third party claims alleging copyright/trademark infringement, libel/slander, advertising, plagiarism and personal injury. Includes coverage for both online and print media.
  • Security and Privacy Liability
    Coverage for third party claims alleging a financial loss as a result of a network security or privacy breach. Includes coverage for both online and print information, virus attacks, denial of service and failure to prevent transmission of malicious code.
  • Privacy Regulatory Defense and Penalties
    Coverage for defense costs and fines/penalties for violations of privacy regulations, including but not limited to, HIPAA and HiTech Act.
  • Privacy Breach Response Costs, Patient Notification Expenses and Patient Support and Credit Monitoring Expenses
    Includes coverage for reasonable legal, public relations, advertising, IT forensic, call center, credit monitoring and postage expenses incurred by the insured for a privacy breach response.
  • Network Asset Protection
    Coverage for reasonable expenses and costs required to recover and/or replace data that is compromised, damaged, lost, erased or corrupted. Includes coverage for business interruption and extra expenses incurred as income loss as a result of the total or partial interruption of the insured’s computer system.
  • Cyber Extortion
    Coverage for extortion expenses and extortion monies as a direct result of a credible cyber extortion threat.
  • Cyber Terrorism
    Coverage for income loss and interruption expenses as a result of the total or partial interruption of the insured’s computer system due to a cyber terrorism attack.
  • Regulatory Defense PLUS
    Coverage for defense costs, shadow audit expenses, and regulatory fines and penalties resulting from civil investigations or proceedings brought by a government entity or commercial payer alleging erroneous billings, civil investigations or proceedings brought by a qui tam plaintiff under the False Claims Act or as a result of the Insured’s voluntary self-disclosure to a government entity. Includes coverage for EMTALA and Stark proceedings.

*This coverage is available on select Arch Healthcare policies.

Arch Insurance Group Inc. is a member of Arch Capital Group Ltd., a Bermuda-based company that provides insurance and reinsurance on a worldwide basis through its wholly owned subsidiaries. For more information, visit

Insurance coverage is underwritten by one or more member companies of Arch Insurance Group in North America, which consists of Arch Insurance Company (a MO corporation, NAIC # 11150), Arch Specialty Insurance Company (a NE corporation, NAIC #21199), Arch Excess & Surplus Insurance Company (a NE corporation, NAIC # 10946) and Arch Indemnity Insurance Company (a NE Corporation, NAIC #30830). Executive offices are located at One Liberty Plaza in New York City 10006. Not all insurance coverages or products are available in all jurisdictions. Coverage is subject to actual policy language. This information is intended for use by licensed insurance producers.

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