Torus has expanded its medical expense liability and medical professional liability coverage to the rapidly-growing reproductive medicine industry, which assists with reproduction via in-vitro fertilization and other technologies. The Torus product lines are available for medical providers who are board certified to provide IVF procedures to egg donors and or implantation recipients. Medical expense liability (MEL) iinsures the medical expenses arising out of medical complications. The insurance can be offered to respond to donors as well as implantation recipients.
The policy includes a service component to direct patients to a network of providers in the case of a catastrophic complication. Fertility clinics and hospital units are eligible insureds for the product. The MEL minimum retention is zero, with a MEL maximum limit of $250,000. The MEL minimum premium is $10,000. Coverage terms will be offered through limited distribution points.