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Coverage for Employees

All employed ancillary personnel, except for optometrists and nurse anesthetists, are automatically covered under OMIC’s policy as additional insureds for services rendered within the scope of their training, licensure (if any), and employment by you and for your direct benefit. This coverage is included at no additional charge, and you and your personnel share your single limit of liability. In Kansas, Nebraska, and Pennsylvania, all ancillary personnel share a limit of liability separate from but equal to your personal limits. Since such personnel are automatically insured under OMIC’s policy for services they render on your behalf, they do not need to maintain their own professional liability insurance policies. And you are covered for your vicarious liability arising from services your staff (including employed optometrists and nurse anesthetists) render.

For a list of common questions regarding coverage for your employees, refer to the Coverage for Practice section on the Coverage Q&A page.

Coverage for Optometrists

OMIC can insure your employed optometrist as an additional insured under your policy following review and approval of an Application for Optometrist. In Kansas, Nebraska, and Pennsylvania, your employed optometrist will share a single limit of liability with your other employed ancillary personnel. In all other states, your optometrist will share your liability limits. An additional premium equivalent to 3.6% of the non-discounted Surgery Class 3 premium will apply to cover your optometrist at shared limits. If separate limits are desired, a premium equivalent to 6.5% of the Surgery Class 3 premium will apply.

Coverage for Nurse Anesthetists

Coverage of employed nurse anesthetists (CRNAs) is available in all states except Nebraska. As with employed optometrists, coverage is subject to approval of an Application for CRNA, and the CRNA will generally share your limits of liability. (In Pennsylvania, your CRNA will share limits with your other employed ancillary personnel.) Nurse anesthetists in Kansas must maintain a separate limit of liability. Separate liability limits are available in other states for an additional premium. If liability limits are shared, the CRNA’s premium will be equivalent to 40% of the non-discounted Surgery Class 3 premium. At separate limits, the premium will be approximately 80% of the Surgery Class 3 rate.

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