The insured has full consent to settle a claim and we will not settle any claims without the consent of our insured.

The Insured will be provided an extended reporting event they die, become disabled or retire from the practice of medicine during the policy period. The retirement provision has no minimum age requirement but does require the insured to be insured with the company for 5 consecutive years

The insured will be provided legal defense from any state medical board investigation. The company will defend the investigation until resolution or up to $25,000 of defense costs. No fines or penalties are covered under this policy

This policy is non-assessable and the Company does not have the right to assess a policyholder for additional amounts to make up shortfalls in the cost of operating the company.

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The insured may assign a locum tenens provider for up to 30 days per policy period.

The company offers full prior acts coverage

The employees of the Named Insured are provided coverage while providing services on behalf of the Named Insured. This does not include any employee with an advanced medical degree (i.e. ARNP, PA, CRNA, CNM, etc.)

The insured may add coverage for a corporation on a shared or separate limits basis, subject to underwriting

The insured may add coverage for an additional insured on a shared or separate limit basis, subject to underwriting

Coverage will be provided for departing employees

for the time period they worked for the primary insured as long as the policy remains in force.