Physician Practices
Traditional or customized programs for individual physicians and group practice are available in almost all states. Various structures are available and are tailored to suit the needs of the practice. For example:

- Limits may be primary or excess and high excess limits may be facultatively-placed for large group practice.

- Programs may be available for multi-specialty clinics or single specialty groups such as Anesthesiologists, Pathologists, Medical Oncologists, Radiologists and Neonatologists, to name but a few.

- Coverage is available for groups under one roof or for groups without walls. This would include large clinics, MSOs, IPAs and PHOs.

- Insurance programs may be designed to give traditional limits that apply to each doctor separately, or may be an aggregate limit that is shared by all providers.

- Most policies are availalble with deductibles, self-insured retentions, or quota share arrangements for practices that want to keep costs down by assuming some of the risk.

- Coverage may be structured so that individual practitioners may depart the coverage program without having to purchase tails. (Ask us about "rolling IBNR options" or "slotting" programs. These are best suited to Emergency Groups, Urgent Care Groups, and large medical practices that see regular turnover.)

- Programs are customized to fit the particular exposure needs of
the group and can extend to home care, hospice care, managed care or residency and fellowship programs.

- "Stand Alone" tails, those that are purchased separately and not from the company the physician is leaving, are available for individual physicians and other clinic acquisitions.

Emerging exposures may be added or written on a stand-alone basis such as corporate compliance risks, telemedicine risks, alternative care risks, or Sovereign Immunity overlap exposures.