Group Coverage

Make It Simple!

All practitioners - psychiatrists, psychologists, social workers and other behavioral healthcare providers practicing in a group - can be covered under one policy, along with the group practice itself. Providers can all be covered under the one policy and still maintain a single defense under one claim if the situation ever arises.

The many benefits of the individual Psychiatrists' Program, including the risk management services, are extended to the corporate entity and everyone associated with it. Groups may be eligible for up to an additional 5% discount. Many thousands of behavioral healthcare providers have looked to The Program for professional liability protection and we look forward to welcoming your group. (Features and benefits may vary by state.)

• Highly rated insurance carrier
• Claims-made and occurrence coverage available (More information)
• Administrative and Governmental Billing Defense Costs Endorsement included at no additional cost
• Forensic activities are covered at no additional charge.
• Prior acts coverage available
• Tail premium for a claims-made policy waived:
  After 10 years continuous, and loss free, claims-made coverage with The Program; for permanent retirement (at age 55 or older) after five years continuous claims-made coverage with The Program; for permanent disability at any age; for death
• Policies issued required the insured's consent to settle: no "hammer clause"*
• Premium financing available
• Vicarious liability of other employed professional or independent contractors coverage available
• Vicarious liability for supervision of professional not employed or contracted by psychiatrist included
• Defense costs as a supplement to policy limits
• Professional premises liability
• Professional services provided as a Medical Director
• Publication of articles or books and broadcasting or telecasting activities directly relating to psychiatric services (when less than 20% of income is derived from such activities)
• Formal clinical teaching activities
• Services as a member of a formal accreditation, credentialing or standards review or similar professional board or committee
• Good Samaritan medical treatment
• Psychiatric peer review, utilization review and participation on medical or medicine review committees
• General medicine incidental to psychiatry
• ECT/EST included at no additional charge
• Sponsored by the Psychiatrists' Purchasing Group

Request more information about group coverage. Or contact us directly: e-mail Group@prms.com, call 800-245-3333, ext. 310, or fax 703-276-0873.

We look forward to serving you!

Program Benefits

Administrative Ease

One Policy: All practitioners can be covered under one policy along with the group practice itself.
Reduced paperwork: No need to track numerous renewal dates and premium payments.
Simplification: Eliminate the time and inconvenience of working with multiple carriers.
Service: Your service representative, an experienced underwriter, knows and understands the needs of your group and is available to answer your questions via our toll-free number, fax, e-mail or web site.

Defense

If your group is ever faced with a claim, you can be confident of the best defense. We provide top-notch legal counsel with a demonstrated expertise in defending psychiatric malpractice actions. Many of the firms have been with The Program since its inception.

Prevention

Program risk management services and strategies are specifically tailored to help your group avoid potential incidents and lawsuits. The toll-free Risk Management Consultation Service Helpline provides important advice and guidance on risk management issues encountered in your group practice. Staffed by experienced professionals with both legal and clinical backgrounds, this service can help prevent an incident from becoming a lawsuit.

Strength and Stability

• Highly rated insurance carrier
• Sponsored by the Psychiatrists' Purchasing Group
• Managed by Professional Risk Management Services, Inc.