Healthcare Site Pollution Insurance (HSP Insurance) is a comprehensive environmental insurance policy focused on the needs of the healthcare facilities, such as most Medical Facilities, Hospitals, Assisted Living Facilities, Skilled Nursing Facilities, and Hospice Services. i

HSP Insurance has been specially conformed to assist the healthcare industry. For example, it includes insurance coverages for Evacuation and Disinfection Expenses in the form.

If we are to expect good healthcare for ourselves and our loved ones, it is important to all of us, to assist the healthcare industry in managing its finances. Environmental liabilities from claims can severely hamper the finances and quality of care available to its patients, if adequate environmental insurance coverage is not available at a reasonable price.

The HSP Insurance Policy covers all liability of the healthcare facility, unless specifically excluded. Properties are automatically covered unless specifically excluded too.

In society today, we need to recognize both the significant risks to patients and the cultural pressure to institute litigation when bodily injury occurs.

Potential Litigation and Claims Exposure Examples:

          a. Indoor Air Quality. Weakened immune systems in patients, makes them more                    susceptible to bodily injury arising from contaminants., including indoor air           quality issues.

       b. MRSA, H1N1 and other facility-borne infectious viruses or bacteria. Insurance      coverage is available for expensive disinfection expenses to neutralize      contaminants which are not traditionally defined as pollutants, including MRSA,      SARS, Norovirus and H1N1.

       c. Contaminated drinking water: Bodily injury claims related to drinking water,      whether the drinking water was contaminated on or offsite, are always a risk.      Remediation expenses to neutralize any contamination impacting the drinking      water can be sustantial, especially if the water is received through pipes in a      rented building.

       d. Legionella: Bodily injury claims related to drinking water or indoor air      impacted by legionella, and associated remediation expenses to neutralize the      legionella bacteria.

       e. Mold Matter: Costly remediation of mold growth and associated bodily injury      claims.

       f. Hazardous Spills & Other Environmental Incidents:Remediation expenses and      bodily injury claims, due to hazardous spills or releases of hazardous substances,      such as chemicals and radioactive materials can create both six figure legal      defense fees and judgments because of associated bodily injury claims. Also,      potential evacuation expenses associated with transporting and lodging patients.

       g. Storage Tanks: Bodily injury claims and remediation expenses, resulting from      claims arising out of releases of heating oil, fuel oil, or other hazardous materials      from underground or above ground storage tanks.

       h. Terrorism: Complete NBCR Coverage – Biological, Chemical, Nuclear, and      Radiological. Resulting remediation, evacuation, whether resulting from direct      impact of a terrorist event, or indirect impact from victims from a terrorist attack      ending up at a facility for treatment.

       i. Emergency Response Expenses Covered, with no sublimit.

       j. Transportation Expenses for both the First Party Insured and the Third Party are covered

       k. On-site and Off-site remediation of pollutants covered, for both First Party and      Third Party.

       l. Third Party Bodily Injury and Property Damage Claims, both defended and   covered.

       m. Natural Resource Damages defended and covered.

       n. Disinfection Expenses Covered. Costs associated with remediation of      contaminants which are not traditionally covered under pollution policies.

       o. New medical conditions and pre-existing conditions covered.

       p. Business Interruption expenses associated with closure or     quarantine are  covered.

       q. Legal defense fees resulting from environmental litigation, can often become  multiple six figures, and are covered even when the insured wins the case.

Environmental Insurance Protection Solutions:

       1. Insurance limits are available from $1,000,000 to $30,000,000 or more

       2. Low minimum premium of $10,000

       3. Easy to apply, with minimal questions.

       4. 24/7 Hotline for Emergency Claims Response

       5. On-site Nationwide Rapid Response to Claims

          6. Pre- crisis and Post-crisis management

       7. National Network of Environmental Consultants available to support client’s  risk   management activities, including risk mitigation services, government  regulation compliance, etc.

       For additional information, insurance quotes, & applications,

       Contact:

                Priscilla Li, Vice President

          Cover Agency, Ltd.

          Phone Numbers:

          Direct:   (347) 886-9778

          Office:   (718) 591- 2400

          Email: priscillali@coveragency.biz

          Offices:

          179-14 Union Turnpike

          Flushing, NY 11366

The information contained herein is for general informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product or service. Any description set forth herein does not include all policy terms, conditions and exclusions. Bound insurance policies, rather than summaries thereof, govern. Not all insurance coverages or products are available in all states and policy terms may vary based on individual state requirements. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.

Cover Agency, is duly licensed to do business with both licensed insurance companies and also as a duly licensed surplus lines broker.