Health Care

Aspera has access for medical practitioners that are ineligible for the standard marketplace. We target practitioners with poor claims experience, alcohol and substance abuse histories, gaps in coverage, and licensing and/or board issues. Coverage can also include entities or corporations affiliated with a practitioner.

Target Classes

• Group practitioners (all specialties)
• Individual cannabis practitioners performing evaluations
• Locum tenens/medical staffing
• Non-standard chiropractors and podiatrists
• Non-standard dentists (all specialties)
• Non-standard mid-level providers
• Non-standard physicians and surgeons (all specialties)
• Pharmacies/pharmacists dispensing medical marijuana
• Unsupported excess

Available Coverage Enhancements

• Incident coverage trigger
• Defense outside the limit
• Limited death, disability, and retirement (DD&R) provision
• Supplementary payments
• Damages-only deductible

Medical Professional Excess

• Excess Liability available on an unsupported basis
  • Follow-form excess
  • Sublimited coverages exclusion
  • Defense within the limit
• Available in Patient Compensation Fund (PCF) states
• Available in lower-limit states, such as FL, MI, and TX, if needed to satisfy a contractual requirement

Availability

• Alabama
• Arizona
• California [Lic. 0K86725]
• Colorado
• Florida
• Georgia
• Louisiana
• Maine
• Michigan
• Mississippi
• Nevada
• North Carolina
• Oregon
• South Carolina
• Texas
• Virginia
• Washington

Company Highlights

Here are a few services you can expect when working with us:

• Quick responses and quotes, often within 24 hours
• 12.5% commission on new and renewal commercial accounts
• 24-hour policy issuance
• Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best