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.

How does your policy compare? Make the comparison with our coverage checklist.

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