The Claim & Litigation Services Department manages the defense of professional and general liability claims covered by FOJP's insurance program.
Each claim is handled by an FOJP team consisting of a team leader, a claim examiner, and an investigator. When an insured notifies the Claim Department of an incident, claim, or lawsuit, the team confirms coverage, assigns defense counsel, investigates, selects experts, develops litigation strategy, and establishes case reserves to reflect exposure.
FOJP’s claim philosophy is to aggressively defend claims without merit and fairly and efficiently resolve claims with merit. If the defense team concludes that the case has merit, efforts are made to negotiate a fair settlement, as early resolution helps control both indemnity and expense costs for our insureds. Claims that do not appear to have merit are vigorously defended. Taking the right cases to court lets the plaintiff's bar know that "nuisance suits" will not succeed.
Creating Defense Strategies
Defense attorneys are assigned from a list of law firms approved by the clients. The Legal Technical Unit monitors and evaluates the cost and activity of defense counsel and conducts audits to ensure top-quality work at optimal cost.
Decisions related to defense strategy in medical malpractice cases are made at regularly conducted claim conferences attended by members of the insured’s risk management and general counsel offices and physician leadership, defense counsel, and FOJP’s Claim Department.
Claim conferences for general liability are attended by members of FOJP’s General Liability Claim Unit, as well as by defense counsel. General liability conferences are not specific to a particular insured, but where a general liability claim presents a high exposure, the department meets separately with the insured agency or hospital.