FAQs About Coverage
Medical malpractice insurance, commonly referred to as medical professional liability insurance, offers coverage to protect physicians and other healthcare professionals from claims related to alleged errors or negligence in their practice. The coverage, often referred to as a policy, ensures healthcare providers can continue offering ongoing quality care while addressing potential legal challenges.
Retroactive (Prior Acts) coverage is intended to extend protection to incidents before the policy's start date. Contact us for more details.
Tail coverage, also known as Extended Reporting Period (ERP), is an essential aspect of medical professional liability insurance that provides continued protection for claims made after a healthcare professional's policy has expired or been canceled. For example, if a physician retires or changes practice and a claim arises from past patient care, tail coverage steps in, providing continuous protection from the legal and financial risks associated with these claims.
Positive Physicians provides coverage in Pennsylvania, New Jersey, Ohio, Delaware, Maryland, South Carolina, Michigan, Florida, Georgia, and Texas. We are also expanding our coverage to Connecticut, Maine, Massachusetts, Missouri, Nevada, New Hampshire, North Carolina, Rhode Island, and Vermont. Keep an eye out for upcoming expansion announcements as we bring our trusted services to even more healthcare communities across the United States.
Our coverage extends to a diverse range of medical specialties and expertise. If you'd like to know whether your particular specialty is covered, please contact our team, and we'll be happy to assist you with any specialty-specific inquiries.
Getting a quote for medical professional liability insurance is easy. Simply fill out our online form or give us a call at 888.335.5335. Our dedicated team of experts is here to guide you through the quotation process and deliver you a personalized, detailed estimate tailored to your unique skill set and areas of expertise.
Positive Physicians offers a comprehensive suite of products and services tailored to healthcare professionals. Our offerings include medical professional liability insurance with flexible coverage options, proactive risk management mitigation services, and expert claims advocacy. We prioritize building trusted relationships and actively listening to your unique needs to provide enduring solutions.
A Claims Made (CM) policy covers claims only if they are reported during the policy period, while an Occurrence (OCC) policy covers claims based on when the alleged incident occurred, regardless of when the claim is filed.
We have strong partnerships with many brokerage firms and can assist you with finding a broker in your area. We can also provide coverage directly if that better suits your requirements and preferences.
At Positive Physicians, we are committed to ensuring you receive the absolute best in legal representation. We have strong partnerships with defense attorneys who specialize in medical malpractice defense and are renowned for their ability to secure positive outcomes for medical professionals in both trial and arbitration.
If you have any questions about representation or need assistance with a claim, please feel free to reach out to our esteemed Claims Team at 88.335.5335 ext. 3, or email them at claims@positivephysicians.com.
FAQs About Claims & Existing Policies
To report a claim, simply fill out our online form or contact our Claims department at 888.335.5335 ext 3. Our dedicated Claims Support Team will respond promptly, typically within the same or next business day.
You can conveniently pay your bill online using ACH (bank account) free of charge. You also have the flexibility to make a one-time payment or set up automatic payments. All of these options can be managed through our Customer Portal.
If you prefer to pay over the phone, please call our automated line at 855.967.1046.
For remittance of your bills, please use the following address:
Positive Physicians Insurance Company
P.O. Box 69638, Baltimore, Maryland 21264-9638
For any questions or assistance, you may reach us at 888.335.5335 ext. 2 or email us at payments@positivephysicians.com.
To request a copy of your policy or certificate of insurance, please call our toll-free number 888.335.5335.
Our valued insureds have exclusive access to top-tier Risk Management solutions, courtesy of our collaboration/partnership with the Medical Interactive Community (MI). This curated suite of resources, featuring dynamic webinars and insightful videos, simplifies the complexities of risk management, all while elevating patient safety and fortifying your practice.
To unlock these invaluable tools, simply register via the personalized link dispatched to your email inbox. Should you require any guidance, the MI support team is readily available at help@medicalinteractive.com. Leverage these resources to stay ahead of the curve, accrue valuable credits, and navigate the intricacies of clinical risk with utmost confidence.
Connect With Positive Physicians
We’re dedicated to your professional success. Reach out to our team for inquiries, claims reporting, credential requests, risk management support, underwriting, or general customer service needs. We are here for you, every step of the way.