Policyholder Services

Are leased employees covered under my policy?

Yes. OMIC’s standard policy automatically extends defense and indemnity coverage to any non-physician employee of an ophthalmologist or professional entity insured by OMIC (excluding employed or contracted nurse anesthetists or optometrists unless specifically named as an insured). Coverage is limited to claims arising from professional services performed within the authorized scope of his or her employment, training, and licensure. Not only does this coverage apply to ancillary personnel directly employed by the insured, but also it applies to leased employees working under the insured’s direction and control. In addition, coverage extends to the employer for vicarious liability exposures arising from such employment.

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Six reasons OMIC is the best choice for ophthalmologists in America.

Consistent return of premium.

Publicly-traded insurance companies exist to make profits for shareholders while physician-owned carriers often return profits to their policyholders. Don’t underestimate this benefit; it can add up to tens of thousands of dollars over the course of your career. OMIC has one of the most generous dividend programs for ophthalmologists and has returned more than $90 Million to our members through dividends.