Policyholder Services



Can I carry higher limits than the other members of my group practice carry?

It is generally in the best interests of the parties involved if all members of a group practice (whether insured by OMIC or elsewhere) carry the same limits of liability. This way, no physician or entity will be viewed as a “deep pocket” and be expected to bear a larger share of any resulting loss solely by virtue of the limits carried. When members of a group carry the same limits, their contribution to an indemnity payment (if any) will more likely be based upon the merits of the case and that member’s role in the care and treatment of the patient.

OMIC’s underwriting guidelines require that all members of a group practice carry the same limits of liability. Exceptions to this rule are subject to underwriting review and may be granted on a case by case basis.

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

Largest insurer in the U.S.

OMIC is the largest insurer of ophthalmologists in the United States and we've been the only physician-owned carrier to continuously offer coverage in all states since 1987. Our fully portable policy can be taken with you wherever you practice. Should you move to a new state or territory, you're covered without the cost or headache of applying for new coverage.

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