Coverage Details

Ancillary Coverage
Coverage Types
Policy Benefits
Policy Types
Who's Covered

Coverage Types

• Professional Liability Coverage provides coverage for the professional services you personally provide.
• Professional Liability Coverage for Physician Groups (Entity) provides groups with protection for the corporation, partnership, or professional association as a separate entity. Available as an add-on to the group professional liability policy.
• Medical Defense Coverage offers coverage for Government Agency Investigations.

Policy Types

• Standard Policy: Renews on an annual basis. Standard payment methods are accepted.

• Continuous Policy: Policy never expires, simple monthly payments with no interest or fees.*

Who's Covered?

• Individual Professional Liability Coverage Solo physicians & their medical corportations
• Groups of Physicians                            Coverage for groups of all sizes
• Medical Corporations                            Medical groups, clinics, & their medical staff
• Employees                                              Non-Physician Health Care Providers
• Locum Tenens                                         Free locum tenens for up to 30 days

Ancillary Coverage

• Certified Registered Nurse Anesthetists
• Nurse Practitioners
• Physician Assistants
• Physical Therapists

Policy Benefits

• Attorneys with successful track records in medical malpractice are only used.
• Claims-Made Policy is the type of coverage for our Standard and Continuous Policies.
• Consent to Settle Provision is required by the named insured to make or conclude an offer to settle a claim. Advocate, D.O. will not settle a claim without the physician's written consent.
• Coverage offered in all counties in TX and MS and to most medical specialties.
• Financial Strength an A- (Excellent) rating by A.M. Best and nearly $1 billion in Assets. For ratings, visit www.ambest.com.
  
• Hidden Fees: there are none!
• Legal Expenses are in addition to the limits and are paid by Advocate, D.O..
• Locum Tenens (Free) for 30 days when an insured needs a physician to replace them while on vacation or extended leave.
• Membership is not required of any organization or association to be an insured.
• Part-Time Coverage is available to physicians in non-surgical specialties who practice less than 20 hours per week.
• Policy Limits are available in a wide range varying from $100,000/$300,000 to $1,000,000/$3,000,000.
• Platinum Partner Program offers insureds discounted rates on medical related services.
• Prior Acts Coverage (Retroactive Coverage) is available to most physicians.
• State Medical Board Defense is covered up to $20,000 per claim with the Standard and Continuous Policy and up to $100,000 per claim with the Medical Defense endorsement. Coverage is outside of the policy limits and no deductible is required.
• State Regulated company in TX and MS.
• Tail Coverage (Free) is available if the physician has been an Advocate, MD insured for 5 consecutive years, is older than 55 years of age and has completely retired from the practice of medicine. It is also available in the event of disability or death.