
Policyholder Services
Policy Information
Welcome to OMIC’s Policy Information page where you can learn about your coverage using the Coverage Q&A library below. For general insurance information please see Insurance 101. Policyholders can view their policy details and print or forward proof of insurance and certificates of insurance in MyOMIC Policyholder Services.
Insurance Documents
To view, download, or print Policy Booklets, Bylaws, and other featured documents visit the Insurance Documents page (login required).
Policy Benefits
There are 17 Policyholder Benefits (1 Disciplinary Proceeding, 7 Regulatory, and 9 Cyber/e-MD®) included in OMIC’s Professional Liability policy that cover a variety of regulatory, billing, cyber, and electronic media liabilities. Learn more here.
Coverage Classifications
To meet the diverse needs of our insureds, OMIC offers four coverage classifications: No Surgery, Limited Surgery (Class 1 and 2), and Full Surgery (Class 3). For a list of common procedures included under each classification go here.
Coverage Q&A
In the Coverage for Practice Q&A section below you will find answers to common questions regarding your direct liability as well as vicarious liability assumed through association with other ophthalmologists in groups, ownership of entities such as corporations or outpatient surgical facilities, and employment of physicians and non-physicians.
In the Coverage for Procedures Q&A section below you can learn about OMIC’s resources, recommendations, and coverage requirements for common ophthalmic procedures.
Since policy and underwriting guidelines are subject to change from time to time as approved by OMIC’s Board of Directors, you should use the information included here only for general reference.
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OMIC Coverage for Practice - Q&A
-- Changes in My Practice (4)
-- Coverage for Employees (21)
As a technician, do I need my own professional liability policy?
What coverage exists for my ancillary personnel?
Are leased employees covered under my policy?
Another doctor wants to lease my employees. Are they covered under my policy?
Is my technician covered for administering cosmetic Botox injections?
Will OMIC insure my ancillary staff for the performance of fluorescein angiography?
Does OMIC require that our employees be certified in CPR?
Does my optometrist or nurse anesthetist have to be insured?
Can I purchase coverage from OMIC for my optometrist?
Can I purchase coverage from OMIC for my nurse anesthetist?
How do the limits work when my employed optometrist carries “shared” liability limits with me?
Is my optometrist covered for prescribing Latisse?
Can my optometrist take call for me?
Do I need to notify you of changes in my staff during the policy period?
-- Coverage for Entities (20)
What is covered by the Broad Regulatory and Cyber/e-MD Protection benefit included in OMIC's Policy?
Can OMIC cover practices owned by private equity firms?
Do I have increased liability exposure if I lease my surgical equipment to other ophthalmologists?
We are considering importing a drug from a wholesaler in another country. Is this acceptable?
Should I insure my professional entity?
Can OMIC insure my corporation or partnership?
Do I need entity coverage for my limited liability corporation or partnership?
What happens to my solo corporation's coverage if my employed physician becomes a shareholder?
Is coverage available for my Outpatient Surgical Facility (OSF)?
What are OMIC's Outpatient Surgical Facility (OSF) requirements?
Do I need coverage for my optical shop?
Can OMIC include my Management Services Organization as an additional insured?
-- Coverage for Groups (46)
What is covered by the Broad Regulatory and Cyber/e-MD Protection benefit included in OMIC's Policy?
Am I covered for administering COVID vaccinations?
Can OMIC cover practices owned by private equity firms?
Do I have increased liability exposure if I lease my surgical equipment to other ophthalmologists?
What is OMIC's position concerning satisfaction guarantees or warranties?
Can I carry higher limits than the other members of my group practice carry?
Does OMIC offer professional liability limits below $500,000 per claim?
I practice in Virginia. Am I required to increase my limits every year?
We are considering importing a drug from a wholesaler in another country. Is this acceptable?
Should I insure my professional entity?
Can OMIC insure my corporation or partnership?
Do I need entity coverage for my limited liability corporation or partnership?
What happens to my solo corporation's coverage if my employed physician becomes a shareholder?
Is coverage available for my Outpatient Surgical Facility (OSF)?
What are OMIC's Outpatient Surgical Facility (OSF) requirements?
Do I need coverage for my optical shop?
Can OMIC include my Management Services Organization as an additional insured?
Will my policy cover me if I sell vitamins in my office?
What coverage exists for my ancillary personnel?
Are leased employees covered under my policy?
Another doctor wants to lease my employees. Are they covered under my policy?
Does OMIC require that our employees be certified in CPR?
Does my optometrist or nurse anesthetist have to be insured?
Can I purchase coverage from OMIC for my optometrist?
Can I purchase coverage from OMIC for my nurse anesthetist?
How do the limits work when my employed optometrist carries “shared” liability limits with me?
Can my optometrist take call for me?
Do I need to notify you of changes in my staff during the policy period?
Does OMIC provide Locum Tenens coverage?
Does OMIC offer a group discount?
-- Coverage for Ophthalmologists (37)
What is covered by the Broad Regulatory and Cyber/e-MD Protection benefit included in OMIC's Policy?
Am I covered for administering COVID vaccinations?
Am I required to maintain active hospital privileges?
What happens to my coverage if I move?
Does my OMIC policy allow me to co-manage my post-operative patients?
Am I covered under my OMIC policy if I recommend the use of marijuana for ophthalmic conditions?
What is OMIC's position concerning satisfaction guarantees or warranties?
Can I carry higher limits than the other members of my group practice carry?
Does OMIC offer professional liability limits below $500,000 per claim?
I practice in Virginia. Am I required to increase my limits every year?
We are considering importing a drug from a wholesaler in another country. Is this acceptable?
If I practice in New York, will I qualify for free excess coverage?
Can OMIC provide coverage for services I render while under contract?
Can OMIC insure me if I practice at a commercial refractive laser center?
Does my policy cover me for services I render at my local nursing home?
A patient filed a complaint with my state medical board. Is this covered under my policy?
Will OMIC defend me for regulatory investigations and actions?
Does OMIC insure physicians for proctoring other ophthalmologists?
Will OMIC cover me for supervising residents?
Will my policy cover me if I sell vitamins in my office?
Will OMIC cover me for volunteer services I render in another country?
Does OMIC offer coverage in Puerto Rico or other territories/countries outside of the US?
Does my policy cover me for my liability as Medical Director of a medi-spa?
-- Coverage for Regulatory Exposures and Other Issues (12)
What is covered by the Broad Regulatory and Cyber/e-MD Protection benefit included in OMIC's Policy?
What is OMIC's position concerning satisfaction guarantees or warranties?
Will OMIC defend me for regulatory investigations and actions?
Does OMIC insure physicians for proctoring other ophthalmologists?
Will OMIC reimburse me for lost wages as a result of court appearances?
Will my OMIC policy cover me for claims arising from testimony I give as an expert witness?
Will OMIC cover me if I am sued for reporting another physician to the licensing board or hospital?
Will OMIC cover my peer review and utilization review activities?
-- Tails (Extended Reporting Period) (4)
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OMIC Coverage for Procedures - Q&A
-- Coverage for Cataract Procedures (9)
What is OMIC's position regarding immediately sequential bilateral cataract surgery (ISBCS)?
Should I stop performing elective procedures during the COVID-19 outbreak?
Does my OMIC policy allow me to co-manage my post-operative patients?
Does OMIC require that cataract surgery be performed only in an accredited facility?
Does OMIC cover Femtosecond laser cataract surgery?
How soon after cataract surgery should the first post-operative exam occur?
Will OMIC cover me for implantation of a multifocal intraocular lens?
-- Coverage for Corneal Procedures (9)
Does OMIC cover small incision lenticule extraction (SMILE) procedures?
Is chelation therapy for treatment of band keratopathy permitted under Surgery Class 1 coverage?
Does my Surgery Class 1 rating cover me for sealing corneal perforations with tissue adhesive?
Am I covered for the off-label use of Conductive Keratoplasty (CK) for the treatment of keratoconus?
-- Coverage for Cosmetic Procedures (20)
Does my OMIC policy cover me for botox injections?
Am I covered to inject Kybella for the treatment of double chins?
Does OMIC's policy extend coverage for cosmetic procedures?
Is Mohs reconstruction surgery covered?
Does OMIC cover skin resurfacing or rejuvenation procedures?
Will my OMIC policy cover me for using Restylane?
We are considering importing a drug from a wholesaler in another country. Is this acceptable?
Will my policy cover me for the treatment of eyelash loss using Latisse™ or similar products?
Is my technician covered for administering cosmetic Botox injections?
Is my optometrist covered for prescribing Latisse?
Does OMIC cover eyelash transplantation?
Does OMIC cover sclerotherapy?
Does my policy cover me for implanting eye jewelry?
Does OMIC cover full facelifts for cosmetic purposes?
Does my policy need to be endorsed for coverage of laser lipolysis?
Is coverage for rhinoplasty available?
What will my premium be if I perform liposuction, facelifts, and rhinoplasty?
Does my policy cover me for my liability as Medical Director of a medi-spa?
-- Coverage for Emerging Technologies and Procedures (4)
-- Coverage for Glaucoma Procedures (5)
-- Coverage for Medical Ophthalmology (7)
-- Coverage for Non-ophthalmic Procedures (14)
Am I covered for administering COVID vaccinations?
Am I covered under my OMIC policy if I recommend the use of marijuana for ophthalmic conditions?
Will OMIC cover me for services I render at sporting events?
Will OMIC insure a doctor for emergency room coverage?
Am I covered if I provide care to my patients for emergency non-ophthalmic conditions?
-- Coverage for Pediatric Ophthalmology Services (8)
-- Coverage for Refractive Surgery Procedures (9)
Are refractive surgery procedures covered?
Does my OMIC policy allow me to co-manage my post-operative patients?
Will my OMIC premium decrease if I discontinue performing refractive surgery?
What is OMIC's position concerning satisfaction guarantees or warranties?
How soon after a refractive surgery procedure can the first post-operative exam occur?
Can OMIC insure me if I practice at a commercial refractive laser center?
---- CK (1)
---- Corneal Inlays (1)
---- Intacs (1)
---- LASIK, PRK, and Variations (5)
---- LTK (1)
---- Phakic Implants (3)
---- RLE (4)
---- SMILE (1)
-- Coverage for Retina Procedures (13)
Can I perform laser vitreolysis to treat floaters under my Surgery Class 2 coverage?
What are OMIC's underwriting requirements for ROP?
Does OMIC cover physicians who perform Transpupillary Thermo Therapy (TTT)?
Will OMIC cover me for the intravitreal injection of kenalog?
Does OMIC cover remote ROP screening?
What is OMIC's position regarding use of intravitreal anti-VEGF (IVAV) agents for treatment of ROP?
-- Coverage for ROP Services (8)
-- Coverage for Telemedicine (4)
-- Other Coverage Issues (8)
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OMIC Policy Q&A
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Policy Issues Articles for the Policy
Coverage When Machines Malfunction
What will OMIC pay for if I am sued?
Liability coverage of eye banks that process ocular tissue
2016 OMIC policy excludes less, covers more
MPL insurance for young ophthalmologists
Liability and coverage for patient falls
Additional benefits under OMIC’s policy
Research Liability and Coverage
Breach Notification: How OMIC Can Help You
Outpatient Surgical Facilities
Additional Benefits: Broad Regulatory and e-MD Protection
Policy Issues: Refused Care Coverage and Minor Refusal
Liability and Coverage for Contaminated-Product Claims
Providing Care When Disaster Strikes
Coverage Options for Aging Insureds
Incompetency: Reporting and Coverage
Leasing Equipment, Space or Employees
Apologies and Insurance Coverage
The Impact of a Claim on Your Policy
Notify OMIC of Changes in Your Practice
Advertising for Medical Services
Do You Operate a Surgery Center?
Underwriting the Multi-state Practice