UniRisk has developed a plan for a Professional/Medical/General Liability Program – Uni-Med.


This plan focuses on those insured’s that are able to assume a significant amount of risk. All policy limits will be fully funded into Capital Security Ltd which is a multi-line insurance company in Bermuda.

Capital Security Ltd is regulated by the Bermuda Monetary Authority.

Features/benefits of base form:

Insuring agreement Professional liability insurance General liability insurance - occurrence Medical expense Fire damage Employee benefit liability Evacuation cost reimbursement Legal/media cost reimbursement Tenants liability   Beautician/barber coverage ·  Personal/advertising injury ·         Products-completed operations hazard ·      Incident reporting sensitive form



Each insuring agreement provides separate towers

Each insuring agreement provides separate towers   General liability coverage – claims made basis Defense outside (capped)
Punitive and exemplary damages covered  Patient loss of property Hired and non-owned auto liability
Sexual misconduct coverage endorsement Separate limits for administrators Terrorism coverage endorsement