Services

Claim and Administration

The Claim and Administration department manages the defense of professional liability claims covered by HIC's insurance program.

Each claim is managed by a claim professional and an investigator. When an insured notifies the Claim Department of an incident, claim or lawsuit, the team confirms coverage, assigns defense counsel, investigates, selects experts, develops a litigation strategy, and establishes case reserves to reflect exposure. 

HIC’s claim philosophy is to aggressively defend claims without merit and fairly and efficiently resolve claims with merit.  If the defense team concludes that the case has merit, efforts are made to negotiate a fair settlement, as early resolution helps control both indemnity and expense costs for our insureds. Claims that do not appear to have merit are vigorously defended. Taking the right cases to court lets the plaintiff's bar know that "nuisance suits" will not succeed.

Defense attorneys are assigned from a list of law firms approved by the clients.

Decisions related to defense strategy in medical malpractice cases are made at regularly conducted claim conferences attended by members of the insured’s risk management and general counsel offices and physician leadership, defense counsel and the HIC Claim and Administration Department.

Education/Online Courses

The Risk Management Education Services department is dedicated to improving patient safety by providing effective educational programs to health care professionals faced with delivering care in increasingly complex clinical environments.

Educational programs are designed to provide:

  • Fundamental risk management and patient safety principles

  • Awareness of the most innovative and contemporary strategies for minimizing liability risks

Educational programs are available online, or as in-person presentations. Through the collaborative efforts of clinical, legal and educational experts, all programs are developed to broaden the understanding of health care professionals regarding modern risk management issues and current data-driven solutions.

Additionally, the Risk Management Education Services department is available to assist insured institutions by designing customized educational activities, presentations or tools to address particular risk management and patient safety needs.

Physician Services

Physician Services is responsible for enrollment of insured physicians, including processing new and renewal applications for primary and excess insurance, and serves as the key customer service contact for physicians enrolled in the program.  The department also maintains and ensures the accuracy and integrity of underwriting information in the company’s database.

Risk Management and Patient Safety

The program’s Clinical Risk Management group works collaboratively with our insured hospitals, physicians and long-term care facilities to improve healthcare quality and safety and reduce malpractice risk.

Under the direction of our chief medical officer, the program supports our clients’ efforts to improve patient safety across all areas of medicine. Clinical initiatives are designed to encourage positive changes in culture and practice, support new technologies, and enhance operational efficiencies, all with the goal of achieving the best possible outcomes and increasing patient satisfaction.  Initiatives are developed with input from clinical committees, analysis of internal and external data, evaluation of medical literature and opinions from experts, interactions with clinical leaders from our insured institutions, and funding from the program.

The department engages senior clinical and administrative leadership to develop interventions and teaching opportunities in high-risk areas. The risk management staff access data from a variety of sources, including clinical records, state and national research databases, surveys, and claims information.  Research and findings help define and inform the department’s focus, objectives and communication with clients. Areas of focus include team and simulation training, development of best practice guidelines, documentation standards, and reducing risks and optimizing benefits of electronic medical record systems. The department also conducts office assessments and develops on-line education courses for insured physicians.