For clinic policies, a generic To Whom It May Concern Memorandum is included with the insured’s policy that is sent to the agent after we receive the order to bind coverage. The memoranda for hospitals are mailed about 30 days prior to the renewal date. For solo policies, the memoranda for hospitals are mailed about 30 days prior to the renewal date.

In most cases, there is an impact on premium. A blended rating approach will be used. The last five years of policy data will be evaluated to calculate a blending of the surgical vs. non-surgical base rates. Any applicable discounts will be applied to this blended rate. If the client is fully vested for an earned reporting endorsement then the applicable charge will be waived. There will also be a similar premium adjustment if the doctor is going from a higher classification to lower or is going from a higher rated territory to a lower one.

No. All additions are subject to Underwriting approval.

Yes. FPIC has several programs available through societies and associations. The programs offer a set discount for being a member, and after receiving the program discount you may then access FPIC’s claims-free discounts for even greater savings.

Only one societal, association, or group discount may be used. After receiving that discount, insureds may then access FPIC’s claims-free discounts for even greater savings.

FPIC will consider exposure outside of Florida if the doctor practiced in states where FPIC (or a subsidiary of FPIC) is actively writing coverage.

Yes, as long as the separate limit is maintained. There is no charge.

FPIC will cover physicians for this exposure provided that they can demonstrate that they have participated in an 8-hour training course. The training prerequisite is not applicable to Dermatologists and Plastic Surgeons. FPIC will not impose a premium surcharge unless the volume of cosmetic injections is excessive. Coverage for Botox injections is subject to prior Underwriting approval.

FPIC will consider such procedures provided that an evaluation by Risk Management take place prior to binding, or prior to the performance of such procedures, if the client is already insured with FPIC. FPIC has an invaluable bariatric assessment tool that has been specifically designed for this exposure. No surcharges will be applied to the General Surgery rate if the client receives a positive evaluation from Risk Management.

Yes. FPIC can consider covering this exposure. Clients will be evaluated on a case-by-case basis. Disclosure of (1) the percentage of the practice that the teleradiology represents and (2) the states where the services are rendered will be reviewed. No surcharges will be imposed if approved by underwriting.

Allied are eligible for part-time but not loss free discounts.

No.

The tail endorsement election window is 30 days after the date we mailed the notification or the time remaining to policy expiration, whichever is greater.

No. But if they are converted to a standard policy, the time spent in non-standard can be incorporated into their standard prior acts. That time would be included in their free tail eligibility.

The first installment of a clinic policy is due within 10 days of the effective date. The payment on a solo policy is due on or before the effective date. If payment is not received, coverage for all policies is voided as of the effective date.

No. FPIC offers a variety of payment options with no interest or finance charges.

Yes. Premium payments can be made with a Visa or MasterCard credit card. Instructions can be found at the “Make a Payment” link on our homepage or you may call Policyholder Services at (800) 741-3742, ext. 3217.