Policyholder Services

Will OMIC cover me if I am sued for reporting another physician to the licensing board or hospital?

Yes. Subject to standard policy exclusions, Coverage Agreement D: Professional Committee Activities Coverage for Ophthalmologists extends coverage for claims arising out of professional services rendered by the Insured as a member of, or participant in, a formal accreditation, utilization review, or similar professional board or committee of a state licensed health care facility or clinic or a professional society.

In addition, most states have statutes that provide immunity from suits brought by a physician who is the subject of professional review. To be protected by these statutes, the witness or participant must act in good faith within the scope of such professional review committee process. Members of the committee usually must not only act in good faith but also must make a reasonable effort to obtain the facts of the matter and act in the reasonable belief that the actions taken were warranted by those facts. As long as the peer review was conducted in good faith for the purpose of promoting quality patient care and proper procedures were followed, there should be no liability.

If peer review functions are performed carelessly or are undertaken for anti-competitive purposes, any legal challenge brought may be successful. Intentional actions, including restraint of trade, anti-trust, slander, libel, and defamation of character, are generally excluded under all types of insurance policies.

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

Largest insurer in the U.S.

OMIC is the largest insurer of ophthalmologists in the United States and we've been the only physician-owned carrier to continuously offer coverage in all states since 1987. Our fully portable policy can be taken with you wherever you practice. Should you move to a new state or territory, you're covered without the cost or headache of applying for new coverage.