Policyholder Services

Will OMIC cover me for supervising residents?

Your professional liability policy with OMIC will cover you for most claims arising from this professional/clinical relationship. Your policy covers you for professional services that you render directly to patients as well as advice or consultation that you provide to residents regarding specific patients. Allegations of “negligent supervision” also generally fall within medical malpractice coverage. (Note: you must personally maintain surgical coverage to be covered for your liability supervising surgical procedures performed by residents.) Ultimately, the determination of whether a specific claim will be covered will depend upon the allegation(s) made and the facts of the medical incident.

Although your policy does not include coverage for academic liability, OMIC is not aware of any “negligent teaching” claims and suspect they are rare, if they exist at all. The likelihood of a claim by some future patient of a resident you supervised being linked to a “quality of training” issue seems remote.

Coverage may also be provided by the teaching program itself to faculty/attending staff when assisting residents in the clinic and operating room.

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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.