Coverage designed for the complex healthcare environment.

Physician groups have undergone unprecedented changes over the past several years.  Many smaller and private practices have disappeared, while mid- to large-sized ones are facing mergers and acquisitions by hospitals. The groups still in practice are facing the potential for audits and board actions while navigating the changing realities of care delivery models and reform/regulatory challenges. Credentialing and privileging issues also arise when the need for a hospital affiliation emerges.

Our experienced underwriting team understands physician groups’ unique challenges. With an end-to-end approach highlighted by our dedicated risk management and claims capabilities, we specialize in handling physician group needs.

Our appetite focus:

Larger physician groups that can include multistate and multispecialty

  • Per physician limits with a separate limit for the entity
  • Consent to settle with the first named insured
  • Coverage available for certain legal defense proceedings, HIPAA proceedings, and regulatory billing errors proceedings
  • Locum tenens coverage included in the base policy form
  • Can consider non-traditional rating approach like slot rating or patient encounters
  • IBNR coverage available for departed physicians
  • Individual application not always necessary
  • Can consider midlevel practitioners
  • Surplus lines is all states where coverage is provided
  • Specialized risk management services available
In Addition:

Our program for physicians includes

  • Physician groups not necessarily affiliated with hospitals
  • Family practice docs
  • OBGYNs
  • Primary limits available
  • Varying limits structure as required by venue
  • Physician group accounts with a minimum premium of $10,000
  • Larger physician groups that can include multistate and multispecialty
  • First dollar coverage up to larger SIR or deductible programs

OneBeacon Healthcare Group offers tailored risk management services including clinical in-house risk managers who can assist in the review of your clients’ specific needs. Services for qualified accounts can include:

  • Consulting time by telephone, fax, email or on-site
  • Free participation webinars focused on policyholder needs
  • A monthly risk management e-newsletter
  • On-site risk assessments and education services available
  • Online CME credits for physician groups available

No one looks forward to being involved in a claim. However, we strive to be as prepared as possible should a claim occur. Our claims services include:

  • Experienced teams of in-house claims professionals which include clinicians, lawyers, investigators and IT experts that are dedicated to each account
  • A strong network of national reputable outside counsel
  • A natural tenacity to fight for policyholders’ reputations
  • The ability to settle appropriately, but with policyholders’ best interests in mind, treating an insured’s money as if it was our own