CLAIMS
ALTOR CLAIMS PHILOSOPHY
Your policy is designed to provide coverage for a range of circumstances. It is not always easy to know when or what to report to your insurance carrier. When in doubt, give us a call and lean on our expertise. We understand these situations can be stressful, but our team is dedicated to helping you through the reporting process. If you have any questions, give us a call at 844.442.5867 option 3.
WHEN TO REPORT
Altor provides claims made coverage for medical professionals nationwide. We approach every medical practice as a unique business; it is our mission to apply sound underwriting principles to find insurance solutions to meet the unique needs of our insureds. We believe that defense is the best form of risk management, and thus, our coverage is designed to protect medical professionals proactively. Our advice is to call us as soon as possible to report any incident that could result in a claim. This way, we can walk with you every step of the way, providing expert guidance and support to mitigate potential risks.
WHAT SHOULD I REPORT
The following is a non-exhaustive list of reportable circumstances. When in doubt about what to report we recommend calling and speaking with one of our Claims Representatives.
Medical Outcomes
Birth Related Injuries
Severe Injuries
Organ Damage
Burns
Sensory Injuries
Loss of Limb
Unexpected or Sudden Death
Neurological Injuries
Wrong Surgical Site
Deformity
Paralysis
Unanticipated Adverse Outcomes
Disfigurement or Disabilities
Legal Inquiries
Letters of Intent
Lawsuits
Notice From Attorney
Demands From Attorneys
Subpoenas
Requests for Interviews by Attorneys or Media
Screen Panel Hearings
Deposition Notice
Medical Board Inquiries
Arbitrations
Legal Papers That Name You or Your Practice
Medical Record Request
Other
Disputes Among Healthcare Providers or Hospital Staff
Verbal or Written Threats or Complaints
Notices or Demands From Patients
HOW CAN I REPORT
Report a claim or incident, online, via email or calling Altor. Please call us at 844.442.5867, option 3, to speak to a member of our claims team. Initial reporting should take approximately 15 minutes or less. Please be advised, we can only accept reports from the policyholder, and coverage cannot be triggered by voicemail.
WHAT HAPPENS AFTER REPORTING
Once a report has been made, a member of our claims team will contact you to collect any additional information they may need. At that time, they will walk you through the next steps of the process. Should your report progress to a suit, Altor is committed to defend you and pursue a reasonable and fair resolution.