Oct 16, 2025
Coverage enhancements coming in 2026
OMIC has broadened the coverage provided to insureds in their Professional and Limited Office Premises Liability Insurance policy effective January 1, 2026. The following is a summary of the expansions:
- The policy will specifically include coverage for the use of artificial intelligence tools in the provision of direct patient treatment.
- The amount OMIC will pay for an insured’s loss of earnings resulting from attendance at a court proceeding involving a claim will increase from $500/day, $250/half day to $2,500/day, $1,250/half day (maximum $25,000).
- Coverage for defense of disciplinary proceedings will extend to all licensed health care professionals.
- OMIC will waive the premium for an extended reporting period endorsement (i.e., OMIC will provide a “free tail”) to insureds who have been insured 10 years and completely leave private practice to teach at an accredited academic institution.
These policy changes will apply to all insureds (regardless of renewal date) on 1/1/2026. Sign into your MyOMIC account to access the updated policy form showing these changes. If you would like a hard copy, email omic@omic.com or call us at (800) 562-6642.