Policyholder Services

Is premises coverage included?

Yes. Subject to a maximum of $50,000 per claim/$150,000 aggregate, your OMIC policy will insure you for claims arising from your ownership, maintenance, or use of the office premises you use for direct patient treatment, including the traditional “slip and fall” cases. Premises coverage does not extend to parking lots, sidewalks, elevators, escalators, stairways, or public hallways. Due to legislation prohibiting the sharing of limits, premises coverage is excluded from Kansas and Nebraska policies.

This coverage is limited in nature and doesn’t constitute or replace commercial general liability coverage or fire and property coverage. Such coverage can be obtained by purchasing a Business Owners Policy (“BOP”) offered on OMIC’s behalf through NAS Insurance Services (NAS). Contact Dana Pollard Carulli at (877) 808-6277 or dcarulli@nasinsurance.com.

Please refer to OMIC's Copyright and Disclaimer regarding the contents on this website

Leave a comment

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

#3. Best at defending claims.

An ophthalmologist pays nearly half a million dollars in premiums over the course of a career. Premium paid is directly related to your carrier’s claims experience. OMIC has a higher win rate taking tough cases to trial, full consent to settle (no hammer) clause, and access to the best experts. OMIC pays 25% less per claim than other carriers. As a result, OMIC’s base rates have consistently averaged approximately 15% lower than multispecialty carriers in the U.S.