When you’re being carted away in an ambulance, the last thing you’re likely to wonder is, “Is this thing insured,” but that’s okay, because there are several commercial auto insurers that offer ambulance coverage. The latest insurer to do so is General Star, which has launched a professional liability product for air and ground ambulances, on an occurrence basis. This product is an alternative to the more conventional claims-based coverage typically offered.

There are no new eligibility requirements for the new product. Licensed ground and air emergency and non-emergency ambulances, ambulette services, municipal ambulance services, and new ambulance operations all qualify.

The standard coverage features include companion general liability on either claims-made or occurrence bases, loading and unloading, sub-limited abuse/molestation and affirmative protection for punitive damages. Medical directors receive automatic coverage for administrative functions. Other available options include defense outside the limit and patient care coverage for medical directors or other employed physicians.

This program is available on a non-admitted basis across the country, offered by General Star Indemnity Company or General Star National Insurance Company, both of which are rated Superior (A++) by A. M. Best Company, and carry the AA+ Insurance Financial Strength Rating from Standard & Poor’s Corporation.