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Physicians ADVANTAGE Program
Coverage Offered
Professional Liability coverage is offered on a claims-made incident sensitive form. The policy form is provided on an admitted basis by General Star National Insurance Company through designated brokers in the states of California, Illinois, and Nevada. Additional states will be introduced to the program during 2008.
Risk Appetite
Coverage is offered on a primary basis for most physician specialties, with the exception of Emergency Room specialists, full-time locum tenens, and physicians with extensive nursing home exposures. Physicians are required to have a good loss history, Board Certification, and no practice impairments. Limited exceptions require additional underwriting evaluation.
Coverage Terms of Note
The Advantage Program offers first dollar coverage (no deductible), defense costs are outside the limits of liability, and a separate limit of liability is available for group practice entities comprised of two or more physicians. Full prior acts coverage is available for eligible submissions. Quarterly or bi-annual premium payment plan options can be arranged. Standard limits of liability are $1,000,000/$3,000,000, with other options available.
For a complete list of coverage terms and program features, refer to the Advantage Program brochure. All coverages are subject to policy terms and conditions.
Risk Management Education
The General Star Advantage Program offers our insured physicians the opportunity to earn Category 1 CME credits online. Participants gain practical and actionable principles and techniques that help to increase patient safety and lower risk. The online experience provides quick and easy access for physicians to select, enroll, study and complete a CME course.
Target Classes
Virtually all physician specialties can be considered, with the few exceptions noted above. Solo physician practitioners, as well as small or large group practices are eligible for consideration.
Physicians SELECT Program
Coverage Offered
Professional Liability coverage is offered on surplus lines basis with a claims-made incident sensitive form. Defense costs are outside of the limits of liability. An optional endorsement providing defense costs with the policy limits is available. Coverage is offered in most states by General Star Indemnity Company and in Connecticut by General Star National Insurance Company through surplus lines brokers designated to access our physician programs. (This program is not offered in Kansas, Louisiana, New Mexico, New York or South Carolina).
Risk Appetite
Coverage is offered on a primary basis for most physician specialties, with the exception of Emergency Room specialists, full-time locum tenens, and physicians with extensive nursing home exposures. Physicians are required to have a good loss history, Board Certification, and no practice impairments. Limited exceptions are subject to additional underwriting evaluation.
Coverage Terms of Note
Full prior acts coverage is available for eligible submissions. Flexible deductible options are provided. For a complete list of coverage terms and program features, referral to the Select Program brochure. All coverages are subject to policy terms and conditions.
Target Classes
Virtually all physician specialties can be considered, with the few exceptions noted above. Solo physician practitioners, as well as small or large group practices are eligible for consideration. Due to the non-admitted nature of the program, the Select Program can be modified to fit the needs of physician applicants, while at the same time offering General StarŐs superior financial ratings.
Physicians SPECIAL RISK Program
Coverage Offered
Professional Liability coverage is offered on a claims-made ŇdemandÓ form in most states by General Star Indemnity Company and in Connecticut by General Star National Insurance Company through surplus lines brokers designated to have access our physician programs. (This program is not offered in Kansas, Louisiana, New Mexico, New York or South Carolina).
Risk Appetite
Coverage is offered on a primary basis for most physician specialties, with the exception of Emergency Room specialists, full-time locum tenens, and physicians with extensive nursing home exposures.
Coverage Terms of Note
Mandatory deductibles apply. For a complete list of coverage terms and program features, refer to the Special Program brochure. All coverage is subject to policy terms and conditions.
Target Classes
The Special Risk Program is designed to provide an option for physicians that cannot procure coverage in the standard market due to unique exposures, loss experience, credentialing issues, or prior impairments. All physician specialties can be considered, with the few exceptions noted above. The program is designed for solo practitioners or physicians working in a group practice setting and cannot, for various underwriting reasons, be added to the group policy. Each submission is evaluated individually and terms are developed based on the overall risk profile.
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