Coverage for premises injury
All TMLT policies include limited professional premises liability coverage with limits of $200,000 per claim/$200,000 per policy period. Coverage includes compensatory damages for claims arising out of premises injury or damages to any patient that:
- occur during the policy period and within the policy territory;
- are caused by a premises occurrence; and
- arise out of your ownership or leasehold interest in the insured premises.
The coverage only applies to claims by patients, and it does not eliminate the need for a general liability policy for your practice.