Focus on Your Patients…
We’ll Focus on Your Ohio Practice.

Established in 2002 and among the premier physician-driven medical malpractice insurance company’s in the country, Positive Physicians Insurance Exchange, offers experienced insurance and risk management services to medical professionals in Ohio and provides focused, physicians-driven programs. Positive Physicians has been assigned a Financial Stability Rating of A, Exceptional, from Demotech, Inc. and is reinsured by Lloyds of London.

We take great pride in having developed a progressive and systematic approach to protecting physicians from risk. This type of specialty focus coupled with our ability to provide rates as much as 20% lower than the competition is why Positive Physicians has been the choice for hundreds of practices across our bourgeoning coverage area.

Please find a listing of the coverages we offer. If interested in a free online quote and demonstration of our services, please fill out the form to the right or or contact us. If you want a free online insurance and financial diagnostic, click here or on the box to the right.

Occurrence Coverage
Occurrence policies cover any incident while the policy is (or was) active, regardless of when the incident is reported or when it becomes a claim.

Claims Made Coverage 
A claims-made policy covers claims reported while your policy is active.

Claims-Made Plus Coverage
Claims-Made Plus  polices offer general coverage with  pre-paid, tail coverage

Prior Acts Coverage 
Prior acts coverage provides coverage for claims that were made while insured under  a prior claims-made policy.

Tail Coverage 
Tail coverage protects you against  claims that occurred  during previous claims-made  policy coverage, and the claim is made after policy termination.

Positive Physicians Insurance Exchange is committed to providing medical specialty physicians with features and benefits that help increase patient safety, improve overall medical care and decrease medical malpractice litigation and policy costs. We offer custom risk and claims management and aggressive claims defense with leading defense counsel who specialize in Ohio medical liability cases.

Positive Physicians’ Medical Review Board is comprised of your peers from various specialties and geographically representative regions of the state. Board supervision extends to every aspect of the company, including:

  • Risk Management
  • Claims
  • Potentially Compensable Events
  • Physician Dispute Settlement

For more information on our Ohio medical malpractice insurance services, contact us for a Free Quote.

Medical Malpractice Actions for Ohio

  • Except as otherwise provided in this section, an action upon a medical, dental, optometric, or chiropractic claim shall be commenced within one year after the cause of action accrued.
    • If prior to the expiration of the one-year period specified in division (A) of this section, a claimant who allegedly possesses a medical, dental, optometric, or chiropractic claim gives to the person who is the subject of that claim written notice that the claimant is considering bringing an action upon that claim, that action may be commenced against the person notified at any time within one hundred eighty days after the notice is so given.
    • An insurance company shall not consider the existence or nonexistence of a written notice described in division (B)(1) of this section in setting the liability insurance premium rates that the company may charge the company’s insured person who is notified by that written notice.
  • Except as to persons within the age of minority or of unsound mind as provided by section 2305.16 of the Revised Code, and except as provided in division (D) of this section, both of the following apply:
    • No action upon a medical, dental, optometric, or chiropractic claim shall be commenced more than four years after the occurrence of the act or omission constituting the alleged basis of the medical, dental, optometric, or chiropractic claim.
    • If an action upon a medical, dental, optometric, or chiropractic claim is not commenced within four years after the occurrence of the act or omission constituting the alleged basis of the medical, dental, optometric, or chiropractic claim, then, any action upon that claim is barred.
  • If a person making a medical claim, dental claim, optometric claim, or chiropractic claim, in the exercise of reasonable care and diligence, could not have discovered the injury resulting from the act or omission constituting the alleged basis of the claim within three years after the occurrence of the act or omission, but, in the exercise of reasonable care and diligence, discovers the injury resulting from that act or omission before the expiration of the four-year period specified in division (C)(1) of this section, the person may commence an action upon the claim not later than one year after the person discovers the injury resulting from that act or omission.
    • If the alleged basis of a medical claim, dental claim, optometric claim, or chiropractic claim is the occurrence of an act or omission that involves a foreign object that is left in the body of the person making the claim, the person may commence an action upon the claim not later than one year after the person discovered the foreign object or not later than one year after the person, with reasonable care and diligence, should have discovered the foreign object.
    • A person who commences an action upon a medical claim, dental claim, optometric claim, or chiropractic claim under the circumstances described in division (D)(1) or (2) of this section has the affirmative burden of proving, by clear and convincing evidence, that the person, with reasonable care and diligence, could not have discovered the injury resulting from the act or omission constituting the alleged basis of the claim within the three-year period described in division (D)(1) of this section or within the one-year period described in division (D)(2) of this section, whichever is applicable.
  • As used in this section:
    • Hospital” includes any person, corporation, association, board, or authority that is responsible for the operation of any hospital licensed or registered in the state, including, but not limited to, those that are owned or operated by the state, political subdivisions, any person, any corporation, or any combination of the state, political subdivisions, persons, and corporations. “Hospital” also includes any person, corporation, association, board, entity, or authority that is responsible for the operation of any clinic that employs a full-time staff of physicians practicing in more than one recognized medical specialty and rendering advice, diagnosis, care, and treatment to individuals. “Hospital” does not include any hospital operated by the government of the United States or any of its branches.
    • “Physician” means a person who is licensed to practice medicine and surgery or osteopathic medicine and surgery by the state medical board or a person who otherwise is authorized to practice medicine and surgery or osteopathic medicine and surgery in this state.
    • “Medical claim” means any claim that is asserted in any civil action against a physician, podiatrist, hospital, home, or residential facility, against any employee or agent of a physician, podiatrist, hospital, home, or residential facility, or against a licensed practical nurse, registered nurse, advanced practice registered nurse, physical therapist, physician assistant, emergency medical technician-basic, emergency medical technician-intermediate, or emergency medical technician-paramedic, and that arises out of the medical diagnosis, care, or treatment of any person. “Medical claim” includes the following:
      • Derivative claims for relief that arise from the plan of care, medical diagnosis, or treatment of a person;
      • Claims that arise out of the plan of care, medical diagnosis, or treatment of any person and to which either of the following applies:
        • The claim results from acts or omissions in providing medical care.
        • The claim results from the hiring, training, supervision, retention, or termination of caregivers providing medical diagnosis, care, or treatment.
  • Claims that arise out of the plan of care, medical diagnosis, or treatment of any person and that are brought under section 3721.17 of the Revised Code
  • Claims that arise out of skilled nursing care or personal care services provided in a home pursuant to the plan of care, medical diagnosis, or treatment.
  • “Podiatrist” means any person who is licensed to practice podiatric medicine and surgery by the state medical board.
  • “Dentist” means any person who is licensed to practice dentistry by the state dental board.
  • “Dental claim” means any claim that is asserted in any civil action against a dentist, or against any employee or agent of a dentist, and that arises out of a dental operation or the dental diagnosis, care, or treatment of any person. “Dental claim” includes derivative claims for relief that arise from a dental operation or the dental diagnosis, care, or treatment of a person.
  • “Derivative claims for relief” include, but are not limited to, claims of a parent, guardian, custodian, or spouse of an individual who was the subject of any medical diagnosis, care, or treatment, dental diagnosis, care, or treatment, dental operation, optometric diagnosis, care, or treatment, or chiropractic diagnosis, care, or treatment, that arise from that diagnosis, care, treatment, or operation, and that seek the recovery of damages for any of the following:
    • Loss of society, consortium, companionship, care, assistance, attention, protection, advice, guidance, counsel, instruction, training, or education, or any other intangible loss that was sustained by the parent, guardian, custodian, or spouse;
    • Expenditures of the parent, guardian, custodian, or spouse for medical, dental, optometric, or chiropractic care or treatment, for rehabilitation services, or for other care, treatment, services, products, or accommodations provided to the individual who was the subject of the medical diagnosis, care, or treatment, the dental diagnosis, care, or treatment, the dental operation, the optometric diagnosis, care, or treatment, or the chiropractic diagnosis, care, or treatment.
  • “Registered nurse” means any person who is licensed to practice nursing as a registered nurse by the board of nursing.
  • “Chiropractic claim” means any claim that is asserted in any civil action against a chiropractor, or against any employee or agent of a chiropractor, and that arises out of the chiropractic diagnosis, care, or treatment of any person. “Chiropractic claim” includes derivative claims for relief that arise from the chiropractic diagnosis, care, or treatment of a person.
  • “Chiropractor” means any person who is licensed to practice chiropractic by the state chiropractic board.
  • “Optometric claim” means any claim that is asserted in any civil action against an optometrist, or against any employee or agent of an optometrist, and that arises out of the optometric diagnosis, care, or treatment of any person. “Optometric claim” includes derivative claims for relief that arise from the optometric diagnosis, care, or treatment of a person.
  • “Optometrist” means any person licensed to practice optometry by the state board of optometry.
  • “Physical therapist” means any person who is licensed to practice physical therapy under Chapter 4755. of the Revised Code.
  • “Home” has the same meaning as in section 3721.10 of the Revised Code.
  • “Residential facility” means a facility licensed under section 5123.19 of the Revised Code
  • “Advanced practice registered nurse” means any certified nurse practitioner, clinical nurse specialist, certified registered nurse anesthetist, or certified nurse-midwife who holds a certificate of authority issued by the board of nursing under Chapter 4723. of the Revised Code.
  • “Licensed practical nurse” means any person who is licensed to practice nursing as a licensed practical nurse by the board of nursing pursuant to Chapter 4723. of the Revised Code.
  • “Physician assistant” means any person who holds a valid certificate to practice issued pursuant to Chapter 4730. of the Revised Code.
  • “Emergency medical technician-basic,” “emergency medical technician-intermediate,” and “emergency medical technician-paramedic” means any person who is certified under Chapter 4765. of the Revised Code as an emergency medical technician-basic, emergency medical technician-intermediate, or emergency medical technician-paramedic, whichever is applicable.
  • “Skilled nursing care” and “personal care services” have the same meanings as in section 3721.01 of the Revised Code.

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