OMS/DDS P&C Solution

OMSNIC Fortress Insurance

Hanover Insurance Connecticut
Fortress Insurance Agency
OMSNIC Insurance Connecticut

The exclusive OMSNIC/Fortress-Hanover Program for OMSNIC/Fortress policyholders combines your OMSNIC/Fortress Professional Liability coverage with The Hanover’s Property & Casualty coverage to help protect your business from losses due to patient lawsuits, equipment damage or theft, business disruption, hazardous waste contamination, injuries, and more. This end-to-end solution provides seamless coverage, and total peace of mind.

Professional Liability Insurance

We offer a Broadening Endorsement designed just for OMSNIC/Fortress customers encompasses dozens of specialized coverages, including a blanket limit of $350,000 for:

  • Account Receivables
  • Computer Equipment
  • Patient Charts/Valuable Papers
  • Backup of sewers and drain

In addition, the OMSNIC/Fortress-Hanover Program includes:

  • Loss Settlement Option
  • OMS Tools & OMS Equipment up to $25,000
  • Medical Waste & Radioactive Contamination
  • Loss of Business Income resulting from loss of potable water

Why the OMSNIC/Fortress-Hanover Program?

  • Competitive rates
  • Specialized coverages
  • Workers' Compensation Group Dividend Program, based on your group’s favorable loss experience, could provide you with a return of premium as a dividend
  • Attentive, personalized service available from 8 a.m. - 7 p.m. E.S.T
  • Full portfolio of commercial insurance products:
    • Property
    • General Liability
    • Workers’ Compensation
    • Commercial Auto
    • Commercial Umbrella
    • Employment Practices Liability

To learn more about Hanover’s Property & Casualty Program for OMSNIC & Fortress customers, call us today at 855-478-4471 or email

Malpractice Defined

Black's Law Dictionary defines medical malpractice as "a doctor's failure to exercise the degree of care and skill that a dentist, physician or surgeon of the same medical specialty would use under similar circumstances." Today, this same concept applies to doctors and ancillary healthcare providers alike.

A legal determination of malpractice requires the presence of four distinct elements:

  • DUTY - One party owes a duty to another. For example, a direct provider-patient relationship must exist or an implied duty of care must pertain to the relationship.
  • NEGLIGENCE - A departure from acceptable standards of medical care.
  • DAMAGES - The claimant must have suffered verifiable damages.
  • CAUSATION - The defendant healthcare provider's negligence caused the claimant's damages.

All elements must be proven by a preponderance of evidence (greater than 50 percent) in determining that medical malpractice occurred.