| Select Physicians & Surgeons
General Star Management Company is pleased to offer a Physicians & Surgeons Professional Liability Program designed for standard risks. This product is available to practitioners with favorable claim experience and no practice
impairment issues. Coverage is offered in most states by General Star Indemnity Company, and in Connecticut by General Star National Insurance Company through designated surplus lines brokers. Both companies are rated A++ by A.M. Best and AAA by Standard & Poor's.
Eligble Exposures
- Individual physicians & surgeons
(M.D.,D.O.,and D.P.M.designations)
- Group practices of any size
What Limits Are Available?
- $1,000,000 / $3,000,000 per claim / aggregate
in most states,or as required by state statute
(higher limits available for large groups)
Coverage Features
- Professional Liability coverage on a claims-made basis
- Incident sensitive claim trigger
- Defense costs are outside the limits of liability (optional
endorsement providing defense costs within policy
limits available)
- Prior Acts coverage may be offered,subject to
underwriting approval
- Extended Reporting Endorsement available for up
to 60 months (Unlimited in Arizona)
- Extended Reporting Endorsement provided without a premium
charge for 60 months in the event of the named insured's
death,permanent disability,or permanent retirement from
practice (subject to policy terms and conditions)
- Flexible deductible options
- Quarterly or bi-annual premium payment plan options
available
This program is not offered in Kansas, Louisiana, New York, South Carolina, Wisconsin, Nebraska, or New
Mexico
Ineligible Exposures
- Chiropractors
- Correctional facility physicians (coverage may be available
through General Star's Special Risk program)
- Emergency room doctors
- Locum tenensactivity performed on full-time basis
- Nursing home physicians or any practitioner that is
affiliated with,employed by,or under contract with a
nursing home or long-term care facility
What Documentation is Required for a Submission? Quotes and binders will only be offered upon receipt of:
- Fully completed General Star Physician & Surgeon Application
signed and dated within 45 days of desired effective date
(premium indications may be provided from recent and
reasonably complete competitor applications)
- Copy of applicant's current Professional Liability Insurance
Declarations Page
- Currently valued loss runs,including General Star claim
information supplement forms
- Copy of curriculum vitae
- Copies of all advertising,including Yellow Page ads
Other Requirements / Conditions
- While we strive to process all submissions promptly,30 days
lead time is preferred on new business,and 60 days lead time
is requested for renewal processing.
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