E&S Physicians
Insurance Solutions Created with Technical Expertise and a Flexible Platform for a Dynamic Healthcare Segment
Our experienced, specialized underwriters and insightful analytical tools provide expert solutions for physician groups, hard-to-place physicians, and freestanding ERP/tail coverage for physicians and physician groups.
Coverage Features
Physician Groups
- Per physician limits
- Legal Defense Proceedings coverage
- Consent to settle with first named insured
- Extended Reporting coverage for departed physicians
- Flexible rating approach and design options
- Data insight and benchmarking
- Regulatory Billing Errors Proceedings Reimbursement coverage
- HIPAA Proceedings Reimbursement coverage
ERP/Tail
- Claims made broad coverage form
- Defense outside the limits of liability
- First dollar coverage available
- Primary limits
- Consent to settle
Non-standard Physicians
Those who have been denied coverage, nonrenewed, or canceled, and whose histories include claims, substance abuse, licensing actions, board sanctions, and a variety of other underwriting issues.
| Traditional Broad Form | S800 Restrictive Form | |
| Claims made/nonassessable | Yes | Yes |
| Incident reporting | Allowed | Not allowed |
| Legal expenses | Paid in addition to limit | Included within the limit |
| Consent to settle* | Required from insured | Limited and restricted |
| Extended Reporting Coverage | 1- to 10-year tail options | 1-year option** |
| Locum Tenens coverage | 90 days per policy year | None** |
| Deductible options | $0 to $100,000 | $0 to $100,000 |
| Coverage territory | United States | State of practice |
Available Coverage Enhancements to the S800 Policy
- Incident reporting
- Consent to settle* (unrestricted)
- Legal expense in addition to limit
- Locum tenens (30 days per policy year)
- Extended reporting coverage (choice of 1- to 10-year tail options)
- *Where applicable by law; insured consent subject to peer review process if dispute on Broad Form.
- **In California, tail options of 1, 5, and 10 years and 30 days of locum tenens coverage are automatically included.
Eligible Risk Classes
- Individual physicians
- Podiatrists
- Dentists
- Physician groups
- Hospital-acquired physician groups
Limits
- Flexible limits starting at $100,000/$300,000 and up
Additional Considerations
- Broad and restricted forms available
- Available in most states
- Shared limits options available
- Flexible coverage options to meet client needs
- Flexible deductible options