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  • Frequently Asked Questions

Frequently Asked Questions

HOW DO I APPLY FOR COVERAGE?

HOW DO I APPLY FOR COVERAGE?

To apply for Doctors’ ARMOR coverage, please download and complete the application. Upon receipt of your completed application and documentation, a Doctors’ ARMOR representative will contact you.

If you need assistance or have questions regarding the application and/or application process, we encourage you to contact our office.

DOES DOCTORS’ ARMOR WORK WITH INSURANCE AGENTS / BROKERS?

DOES DOCTORS’ ARMOR WORK WITH INSURANCE AGENTS / BROKERS?

Yes! Doctors’ ARMOR welcomes every opportunity to assist insurance agents and brokers with their client’s coverage requirements. We understand and respect the resources an agency spends building a positive client relationship. By providing every agency with prompt, courteous and knowledgeable support, it allows the agency to continue providing its clients with superior customer service.

HOW IS MY PREMIUM DETERMINED?

HOW IS MY PREMIUM DETERMINED?

The amount of premium charged is based on geographic location, specialty, procedures performed, requested limits of liability, total number of years of exposure covered and claims experience.

HOW IS THE CAPITAL CONTRIBUTION CALCULATED?

HOW IS THE CAPITAL CONTRIBUTION CALCULATED?

The Capital Contribution is one-third of the insured’s mature premium, less applicable credits and discounts.

DOES DOCTORS’ ARMOR OFFER INSTALLMENT BILLING?

DOES DOCTORS’ ARMOR OFFER INSTALLMENT BILLING?

Yes; Doctors’ ARMOR makes available to its insureds an installment billing plan. A small service fee does apply when installment billing is selected.

WHAT COVERAGE IS AVAILABLE FOR PHYSICIAN EXTENDERS?

WHAT COVERAGE IS AVAILABLE FOR PHYSICIAN EXTENDERS?

Coverage, on a shared limits basis, for physician extenders is free of charge.

Separate limits coverage for Physician Extenders is also available – additional premium is required.

Physician extenders include: Nurse Practitioners, Advanced Registered Nurse Practitioners, Physician Assistant, Surgical Assistant, Certified Nurse Midwife, and Certified Registered Nurse Anesthetist.

PLEASE NOTE: Florida Statutes Section 458.320 requires ARNP’s carry a minimum of $250,000 / $750,000 in liability limits coverage. Sharing limits between the insured physician and the ARNP is not suggested as both parties may fall below the required minimum.

WOULD MY ANCILLARY STAFF (NURSES, LICENSED PRACTICE NURSES, MEDICAL ASSISTANTS, AND TECHNICIANS) BE COVERED UNDER MY DOCTORS’ ARMOR POLICY?

WOULD MY ANCILLARY STAFF (NURSES, LICENSED PRACTICE NURSES, MEDICAL ASSISTANTS, AND TECHNICIANS) BE COVERED UNDER MY DOCTORS’ ARMOR POLICY?

Unless specifically excluded, ancillary staff is automatically covered under each insured’s policy and is subject to the policy’s exclusions.

WHAT IS PRIOR ACTS COVERAGE?

WHAT IS PRIOR ACTS COVERAGE?

Also known as nose coverage, Prior Acts Coverage is purchased from a new insurer when changing insurance companies. It covers claims from unknown incidents occurring before the beginning of your new policy.

WHAT IS TAIL COVERAGE?

WHAT IS TAIL COVERAGE?

Also known as “Extended Reporting Endorsement”, tail coverage may be purchased due to a policy’s cancellation or non-renewal. This coverage continues an insured’s insurance coverage for claims subsequently reported involving incidents occurring while the policy was in force.

DOES DOCTORS’ ARMOR OFFER FREE TAIL COVERAGE?

DOES DOCTORS’ ARMOR OFFER FREE TAIL COVERAGE?

Yes; free tail coverage is available to current insureds meeting the qualifications for such coverage. Qualifications include, but are not limited to, death, disability, or full retirement from the practice of medicine. Please contact our office for further details.

WHAT IS A COVERAGE SUMMARY?

WHAT IS A COVERAGE SUMMARY?

Also known as a Declarations Page, is located on the first page of your Doctors’ ARMOR policy. It contains information specific to the insured including insured’s name, address, specialty, liability limits, premium amount, effective date, endorsements, etc.

WHAT IS AN ENDORSEMENT?

WHAT IS AN ENDORSEMENT?

An endorsement is a document that changes the terms of your insurance policy.

WHAT IS VICARIOUS LIABILITY?

WHAT IS VICARIOUS LIABILITY?

Vicarious liability is when an insured can be held legally responsible for the actions of another person. In medical liability claims, physicians can be found vicariously liable for the actions of nurses, medical assistants, employed physicians or other people for whom they are legally responsible.

WHAT IS A RISK RETENTION GROUP?

WHAT IS A RISK RETENTION GROUP?

A risk retention group is a type of insurance company formed pursuant to the Federal Risk Retention Act of 2981. Risk retentions groups are owned by its policyholders.

WHERE DO I MAIL PAYMENTS?

WHERE DO I MAIL PAYMENTS?

Please Mail Payments To:

Post Office Box 864621
Orlando, Florida
32886-4621