Physicians and Surgeons

The Medical Professional Division offers several medical malpractice liability programs.  Please see the individual program summaries for more details.

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  Physicians and Surgeons  
 
 

Physicians PREMIER Program

Coverage Offered

Professional Liability coverage is offered on a claims-made incident-sensitive form. The policy form is provided on a non-admitted basis, through designated wholesale surplus lines brokers in all states except Kansas, Louisiana, Nebraska, New Mexico, New York, South Carolina and Wisconsin.

Four Data Privacy Coverages

Data Privacy Coverage is available without additional charge: Breach of Privacy and Security, Governmental Fines and Penalties, Advisory Costs and Data Restoration. The limit for each coverage is $50,000 with the exception of Data Restoration where a $5,000 limit applies. An aggregate limit of $50,000 applies to all Data Privacy damages arising from the same claim and an annual aggregate of $50,000 also applies. Payments of damages for Data Privacy claims will not erode the Professional Liability limits of the policy.

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 favorable loss history, Board Certification, and no practice impairments. Limited exceptions require additional underwriting evaluation.

Coverage Terms of Note

The Premier 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 semi-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 Premier 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 group practices of any size are eligible for consideration.


Physicians SELECT Program

Coverage Offered

Professional Liability coverage is offered on 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 written on a non-admitted basis through designated surplus lines brokers (This program is not offered in Kansas, Louisiana, Nebraska, New Mexico, New York, South Carolina or Wisconsin).

Four Data Privacy Coverages

Data Privacy is available without additional charge: Breach of Privacy and Security, Governmental Fines and Penalties, Advisory Costs and Data Restoration. The limit for each coverage is $50,000 with the exception of Data Restoration ($5,000 limit). The new safeguard is provided as a separate coverage part containing all four categories. As a result, payments made for eligible Data Privacy claims will not erode the Professional Liability limits available in the Professional Liability coverage part. An aggregate limit of $50,000 applies to covered Data Privacy damages arising from the same claim.

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 Star's superior financial ratings.


Physicians SPECIAL RISK Program

Coverage Offered

Professional Liability coverage is offered on a claims-made "written demand" form in most states on a non-admitted basis through designated surplus lines brokers (This program is not offered in Kansas, Louisiana, Nebraska, New Mexico, New York, Pennsylvania,South Carolina or Wisconsin).

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

Options for an incident sensitive policy trigger, defense outside the limit, and more flexible deductible options are available. For a complete list of coverage terms and program features, refer to the Special Risk Plus Program tab. All coverage is subject to policy terms and conditions.

Target Classes

The Special Risk Physician Program is designed to provide an option for physicians that cannot procure coverage in the standard market, but are looking for options to maintain broad coverage terms. 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 that 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.