What is Treatment/PhysiciansProUSA Program?
The Treatment/PhysiciansProUSA Program is a specialized insurance solution designed for medical professionals, particularly physicians and physician groups. This program typically offers professional liability coverage tailored to the unique risks faced by healthcare providers. It helps protect against claims arising from malpractice, misdiagnosis, and other operational hazards inherent in the medical field.
Beyond malpractice, the program may also include options for general liability, property coverage for medical equipment, and cyber liability related to patient data breaches. These coverages are essential to ensuring the financial stability of a healthcare practice in the event of a claim.
Who needs it
This coverage is ideal for individual physicians, physician groups, and clinics. It also suits healthcare organizations that manage multiple providers or contract medical services. Whether you operate a small family practice or a large specialty clinic, the program provides vital protection against liability exposures unique to the healthcare industry.
Operators of multi-physician practices may also consider programs like the Physician Group/PhysiciansProUSA Program for broader practice-level coverage.
What it typically covers
Coverage under the PhysiciansProUSA Program often includes:
- Medical malpractice liability
- General liability for premises-related incidents
- Property coverage for diagnostic and treatment equipment
- Cyber liability for patient information breaches
- Defense costs for covered claims
For example, if a patient alleges injury due to an incorrect diagnosis, the policy may help cover legal defense and settlement costs, subject to the policy terms.
Practices that employ physician assistants may also benefit from tailored protection like the Physician Assistant Program Exclusive Professional Liability Program.
Common exclusions or limitations
While coverage is broad, certain exclusions apply. These typically include:
- Intentional misconduct or criminal acts
- Claims arising from unlicensed or unsanctioned procedures
- Prior-known claims or incidents not disclosed during underwriting
- Employment practices liability (unless specifically added)
Always review the policy to understand its limitations and how they apply to your practice.
Factors that influence cost
Several underwriting factors can affect the premium for this program:
- Type of medical services provided
- Number of physicians and staff
- Claims history and risk management protocols
- Location and state-specific requirements
Practices involved in high-risk specialties or surgical procedures may incur higher costs due to increased liability exposure.
Proof of insurance & compliance
Carrying professional liability coverage is often a requirement for hospital privileges, licensing boards, or managed care contracts. A certificate of insurance (COI) serves as proof and should be readily available to show compliance with these obligations.
Medical groups seeking broader protection may also explore coverage from providers like Medical Providers Coverage from Bailey Special Risks, Inc..
How to get a quote
To receive a customized quote for the Treatment/PhysiciansProUSA Program, simply provide details about your practice, including services offered, number of providers, and claims history. Our underwriting team will assess your risk profile and develop a tailored proposal.
Request a quote today to get started on protecting your practice.
Frequently Asked Questions
Does this program cover telemedicine services?
Yes, many policies can be extended to cover telehealth services, depending on the insurer and jurisdiction.
Is prior acts coverage available?
Some insurers offer prior acts coverage, but availability depends on underwriting approval and disclosure of past claims.
Do I need separate coverage for my medical equipment?
Property coverage for medical equipment can often be included, but it’s important to confirm this in your policy.
Can group practices be covered under one policy?
Yes, multi-physician groups can often be insured under a single policy with named insureds or endorsements.
What happens if I change employers or retire?
Tail coverage or extended reporting periods may be available to protect against future claims arising from past services.
Still have questions? Talk to a local insurance expert.