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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