First Professionals offers coverage for physicians in Ohio. For additional information regarding coverage, contact a First Professionals agent representative or the Underwriting Department at (800) 741-3742, ext. 3218.
Physicians
Products
Medical Professional Liability
Offering protection against allegations of malpractice, coverage is provided in the form of a claims-made policy. Service as a member of a formal hospital or professional society board or committee is covered. The policy also covers certain employees for damages resulting from a medical incident.
Investigation Defense Coverage
Includes legal defense coverage - at no additional charge - for covered proceedings instituted against an insured before a regulatory or administrative body arising out of your professional practice while insured under the policy. This coverage also includes legal defense protection against actions from state and federal organizations, such as OSHA and EEOC. Coverage for allegations of Medicare and Medicaid fraud and abuse is subject to a $1,000 deductible. Limits of $25,000 per incident and $75,000 annual aggregate apply.
Employee Coverage
Employees other than physicians or physician extenders (defined as Physician Assistants, Nurse Practitioners, Nurse Anesthetists or Nurse Midwives) are covered on a shared limit basis for providing, or failure to provide, professional services, at no additional charge. Physician extenders can be covered, if approved by underwriting, on a shared limit basis on a solo policy. An additional premium may be charged. Physician extenders scheduled on a clinic (i.e., group) policy are eligible for separate limits of liability.
Vicarious Liability
On a shared limit basis, your policy covers the vicarious liability that you are legally responsible for due to the actions of your employees, and the vicarious liability that the partnership, corporation, or professional association is legally responsible for due to your actions.