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Per patient policy

Coverage for groups based on number of patient visits

A per-patient policy refers to medical liability coverage designed for emergency medicine groups, urgent care, or other groups that are structured on a per encounter basis. Pricing is based on the number of patient visits rather than the number of physicians in the group. Coverage includes:

  • legal expenses: $50,000 per claim / $100,000 per policy period;
  • incurred but not reported (IBNR) coverage for physicians no longer with the group;
  • coverage of allied health care professionals;
  • different limits of liability options and structures available; and
  • flexible policy form.