Policyholder Services

Will my OMIC policy cover me for claims arising from testimony I give as an expert witness?

The OMIC professional liability insurance policy covers claims based on forensic consultants’ professional services for or on behalf of a formal accreditation, utilization review, or similar professional board or committee of a state licensed health care facility, clinic, or professional society. However, if the insured is hired as an independent consultant or expert witness, the policy only covers claims where an actual (physical) injury is alleged. This would exclude claims by the hiring party in a private lawsuit against the forensic consultant for professional negligence. To best cover the various risks and liabilities of the full forensic consulting practice, experts in the field suggest that forensic consultants also acquire errors and omissions coverage from a reputable company specializing in this unique exposure.

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

#1. 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 $20 Million to our members through dividends.