Health Care

Aspera is a market 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
  • Sub-limited coverages exclusion
  • Defense within the limit
• Available in Patient Compensation Fund (PCF) states
• Available in lower limit states, such as FL and TX, if needed to satisfy a contractual requirement

Availability

• California [Lic. 0K86725]
• Colorado
• Florida
• Maine
• Michigan
• Oregon
• 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{241d69fb6cc1b5cacc5f3e2661eaf0e97e5fed421b543841c6865fd1a2ecc898} 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