Health Care Facilities--Hospitals Other Than Not-For-Profit

What Does GL Code 44435 Cover?

ISO GL class code 44435 covers general hospitals and acute care facilities that provide inpatient and outpatient medical, surgical, and emergency services, excluding not-for-profit institutions. This code classifies the operations of for-profit hospitals, encompassing a wide range of medical treatments, diagnostic services, and patient care. It specifically addresses the general liability exposures associated with the comprehensive healthcare services offered by these facilities.

Who Uses This Class Code?

This code applies to privately owned or for-profit general hospitals, acute care hospitals, surgical centers operating as hospitals, and specialized medical centers providing a broad spectrum of inpatient and outpatient care. Examples include large corporate hospital chains, independent for-profit hospitals, and investor-owned medical facilities.

Common GL Claims for This Class

Common GL claims for hospitals include patient slip and falls on premises, visitor injuries, property damage caused by hospital staff or equipment, and allegations of negligent security. Additionally, claims can arise from medication errors, surgical complications, or misdiagnosis, which often fall under professional liability but can sometimes have GL implications depending on the specific circumstances.

Coverage Tips for Code 44435

• Ensure your General Liability policy includes coverage for medical incidents and professional liability, as standard GL often excludes claims arising from medical malpractice.
• Regularly review your patient intake and discharge procedures to mitigate risks associated with patient safety and potential 'slip and fall' claims within the facility.
• Verify that all contracted medical staff, such as locum tenens physicians or specialized therapists, carry their own professional liability insurance and name the hospital as an additional insured.
• In Florida, maintain strict compliance with AHCA licensing requirements and patient safety regulations, as non-compliance can lead to increased liability exposure and audit scrutiny.