The Advantage Physicians and Surgeons Program is offered to standard market physician risks on an admitted basis by General Star National Insurance Company in approved states. Solo physician or group practice submissions of any size that meet the program underwriting criteria can be considered.

Coverage Offered

• Claims-Made Incident Sensitive Form
• First dollar coverage
• Defense costs outside the limits of liability
• Separate limit of liability can be provided for group practice submissions comprised of two or more physicians
• New physician and part-time credits can be provided
• Full Prior Acts coverage available to eligible risks
• Supplemental trial expense coverage of $500 per day, up to $5,000 provided
• Supplemental state medical board legal expense reimbursement up to $25,000 included
• Medical/Medicaid billing error defense reimbursement provided up to $30,000
• Locum Tenens coverage provided without premium charge upon underwriting approval
• Coverage provided for peer review activity
• Unlimited or lifetime extended reporting coverage provided without charge in the event of retirement after age 55 and five continuous years of General Star coverage
• Extended reporting coverage provided in the event of death or permanent disability of the named insured without additional premium charge
• Available online risk management services with CME credits
• All coverage subject to policy terms and conditions at time of issuance

Risk Appetite

Board Certified Physicians with acceptable loss history and credentials.

Limits

Standard limits are $1,000,000 per claim / $3,000,000 aggregate. Higher limits are also available.

Eligible Exposures

Established and new practitioners with acceptable loss history and credentials are eligible for the program. Prior acts can only be provided when the preceding carrier is rated “B” or higher by A.M. Best.

Ineligible Risks

This program is not available to full-time Emergency Room, Nursing Home or Locum Tenens practitioners.