Physicians and Surgeons

Select Physicians & Surgeons

The Medical Professional Division offers a Physicians & Surgeons Professional Liability Program designed for standard risks. This product is available to physicians with past coverage, loss or practice issues. Coverage is offered through designated surplus lines brokers.  (This program is not offered in Kansas, Nebraska, New York, South Carolina or Wisconsin.)

Eligble Exposures

  • Individual physicians & surgeons
    (M.D.,D.O.,and D.P.M.designations)
  • Part-time exposures
  • Group practices of any size
  • Multi-state exposures
  • Carve-outs

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)
  • Four types of 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.
  • 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 Tenens or staffing groups
  • Physicians working or contracted full-time to staff nursing homes.
    (Limited nursing home exposure, subject to underwriter approval)

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.