Individual Coverage

Features of Coverage

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
• Coverage for forensic psychiatric activities included in the policy
• Portable coverage: if your practice moves to another state, you can take your coverage with you
• 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 (age 55 or older) after five years continuous claims-made coverage with The Program; for permanent disability at any age; for death
• Policies issued require the insured's consent to settle: no "hammer clause"*
• Professional premises liability
• Defense costs as a supplement to policy limits
• Vicarious liability of other employed professionals or independent contractors coverage available
• Vicarious liability for supervision of professionals not employed or contracted by psychiatrist included
• 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
• Premium financing available (your annual premium must equal at least $2,000)
• Sponsored by the Psychiatrists' Purchasing Group

* Please see policy for details.
** Subject to underwriting

For more information about individual coverage, please call (800) 245-3333, ext. 389 or e-mail TheProgram@prms.com.

More Than A Policy

With The Psychiatrists' Program, you have more than a policy; you have the support of a full service medical professional liability insurance program.

 

Program Benefits

Take advantage of the full range of services offered by The Psychiatrists' Program!

• Risk Management and Patient Safety
• Strong Defense
• HIPAA Help

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.

Learn About Group Coverage