Carrier Spotlight – MedPro Group

• These policies cover claims made DURING the policy period. They require the policy to be in force when the claim is filed, making tail coverage options crucial for ongoing protection.
• Tail coverage extends protection even after the policy ends, ensuring that incidents occurring during the policy period remain covered.
• Tail Coverage is vital for surgeons who switch carriers or retire, as it prevents gaps in coverage.

• These policies cover any incident that occurs during the policy period, regardless of when the claim is made.
• This type of policy offers long-term peace of mind, as coverage is provided for the duration of the event rather than the claim submission date.
• Unlike many states, MedPro offers occurrence coverage in all 50 states.

• These policies, introduced by MedPro in 2011, allow policyholders to convert their claims-made policies to occurrence policies.

Claims-Made Limits
MedPro offers claims-made policies with standard limits of $1 million per claim and $3 million annually. These limits trigger when a claim is made, not when the incident occurs.

• The limits apply to any claims against the surgeon in any given year, even if the incidents occurred in previous coverage years.
• With claims-made policies, if a surgeon retires, moves, or sells their practice, they must secure tail coverage to cover any potential claims.
• The limits apply to all claims arising during the life of the tail coverage.
• MedPro Free Tail Coverage: Available for surgeons at retirement after just one year of insurance.

Occurrence Limits
MedPro’s occurrence policies separate the $1M/$3M limits for each year and apply to the year the incident occurred, not when the claim is made.

• This means the limits apply separately for each year the surgeon is in practice, regardless of when the claim arises.
• If a surgeon retires, moves, or sells their practice, the yearly limits under the occurrence policy remain available for future claims.
• Tail insurance isn’t required.

Maintaining the right coverage as your practice grows is key to keeping robust protection.

• MedPro Group provides tools and resources to help you identify and reduce potential exposure before issues arise.
• Depending on the insurer’s needs, MedPro’s expert risk management consultants can schedule on-site visits, assessments, policy reviews, and surveys to assess needs and suggest risk management solutions.
• MedPro offers continuing education courses for risk management.

These efforts can lead to fewer claims and lower overall risk, benefiting your practice’s bottom line.

Legal Defense Strategy
MedPro Group boasts a strong defense philosophy and high success rates in defending surgeons. A strong defense minimizes disruptions and helps maintain your confidence and professional reputation during litigation.

Free Cyber & Privacy Liability Insurance
They continuously address emerging cyber and privacy security issues and protect at no additional cost.

Reckless or Intentional Misconduct
Claims related to intentional wrongdoing or illegal activities are NOT covered. Coverage applies only to professional errors or negligence.

Scope of Practice & Experimental Procedures
Services outside the agreed scope of practice or procedures considered experimental or not aligned with the standard of care may be excluded.

Policy Period & Jurisdiction
Incidents occurring outside the policy period or in locations not covered by the policy may not be eligible for coverage.