Policy Details
Different policies for different Customers
*Coverage options vary, depending on the state.
- Individual Physicians - We offer coverage in all specialties and all counties in Texas, Oklahoma, and Arkansas. (Extenders are addressed in our additional benefits section).
- Dentists - We offer coverage to dentists, including oral surgeons.
- Moonlighters - This is offered to residents who choose to practice/work outside of their training program.
Coverage Types
Professional Liability Coverage provides coverage for the professional services you personally provided or should have provided to your patients.
Professional Liability Coverage for Physician Groups (Entity) provides your group with protection for the corporation, partnership or professional association as a separate entity, and is available only as an add-on to professional liability coverage for a group of physicians.
Additional Policy Benefits
Legal Expense Coverage - API will provide you with legal expense reimbursement, including billing errors and medical licensing agency coverage, and proceedings instituted by a government agency alleging violation of HIPAA privacy regulations, up to $100,000 for physicians and $25,000 for Dentists.
Accidental Death & Dismemberment Coverage (*Texas physicians only) - provides physicians with 24/7 protection exclusively for API physician policyholders, delivering a $100,000 accidental death benefit or additional benefits for a qualifying injury as defined by the plan.
Prior Acts Coverage - Coverage that protects you against claims arising from acts that occurred before the beginning of the policy period. This coverage may be necessary if you have been uninsured or have canceled a claims-made liability policy that does not provide an adequate claims discovery period.
Tail Coverage - coverage available to provide protection for claims that are made after the policy period has ended, but occurred when the policy was still in effect. Tail coverage may be purchased in the event that you decide to terminate coverage with API.
Extended Reporting Coverage (ERP) is approximately 200% of premium
Free Tail upon Retirement - When you reach the age of 55, free tail is available upon retirement and after being covered with us for 5 full years.
Part time coverage - We provide part time coverage with premium discounts based on hours worked.
New to practice discount - We offer a discount for the first 5 years a physician is in private practice.
Ancillary personnel - Vicarious liability is automatically included in our individual and group Professional Liability Policies.
Extenders - Individual coverage and vicarious liability is available. Extenders include Physician Assistants, Nurse Practitioners, Nurse Anesthetists, Certified Registered Nurse Anesthetists, Certified Nurse Midwifes, Orthopedic Physicians Assistants, and Physical Therapists.