Physicians and Surgeons

Special Risk Plus

General Star offers a Special Risk Plus Program for individual physicians and small physician group practices, that cannot procure coverage in the standard market, but who wish to maintain broad coverage terms. Coverage is written through designated surplus lines brokers in all states except KS, LA, NE, NM, NY, PA, SC, and WI.

Coverage Features

  • $1,000,000 / $3,000,000 per claim/aggregate in most states, or as required by state statute
  • Professional Liability coverage on a claims-made basis
  • Full Prior Acts coverage available
  • Optional Extended Reporting Endorsement available
  • Locum Tenens coverage provided without charge upon company approval
  • Corporate/Entity coverage can be offered to the extent of named insured's liability and on a shared limit basis
  • All coverages subject to policy terms and conditions

Coverage Options Available

  • Incident Sensitive policy trigger available
  • Defense outside the indemnity limit
  • Consent to Settle
  • Flexible deductible amounts including option for indemnity only

Eligible Exposures

  • Individual licensed physicians & surgeons (M.D., D.O. and D.P.M. designations)