Policyholder Services

Will OMIC cover me if I allow other physicians to use my surgical suite and I am named in a claim as a result?

Even if your surgical suite is not a formal ambulatory surgical center, the liability exposure of allowing other physicians to perform surgery there is similar to that of an ASC. You may incur direct liability for allegedly failing to properly credential the physician, you may have liability exposure arising from the non-physician staff you employ, and you may be named vicariously in a claim for services rendered by the physicians who utilize your facility. Because of this increased risk, OMIC requests that all physicians who have a surgery center or allow other physicians to use their in-office surgical suite to complete an OSF Application. OMIC evaluates the facility’s licensure/accreditation (if any), credentialing procedures, quality assurance and risk management programs, anesthesia-related issues, emergency protocols, and scope and volume of practice as well as other underwriting issues to determine whether coverage can be extended. Depending upon the ownership and usage of the facility, the scope and volume of procedures performed, and whether limits of liability are to be “shared” with the owner physician/entity or “separate,” an additional premium may apply.

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

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 a 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 has consistently maintained lower base rates than multispecialty carriers in the U.S.