The SCPIE Group Plus combines broad liability coverage, expert claims handling and proactive risk management in one outstanding package. With SCPIE’s policy, you’ll pay a competitive rate for solid protection that includes liability limits up to $5 million per claim and $5 million aggregate per policy year.

The program includes these coverages on a claims-made and –reported basis:

Oral/Maxillofacial Surgery Professional Liability
Claims arising from acts or omissions involving direct patient treatment. Also, “vicarious liability” coverage for occurrences involving direct patient treatment provided by other insureds under the policy.

Oral/Maxillofacial Surgery Partnership or Corporation Liability
Claims against oral/maxillofacial surgery partnerships, corporations and covered salaried employees for professional and business exposures.

Professional Committee Activities Liability
Claims resulting from insured activities as a member of an oral surgery quality assurance committee; an oral surgery utilization committee or other oral surgery peer review committee of an accredited hospital; or a committee of any professional oral/maxillofacial association or society, health maintenance organization, preferred provider organization or individual practice organization.

Legal Defense Reimbursement
Limited legal defense reimbursement for certain disciplinary proceedings by a state licensing authority alleging improper professional conduct; federal professional review organization sanction proceedings; governmental billing errors and omissions investigations; and certain other government-related proceedings.

The program includes these coverages on an occurrence basis:

Business General Liability
Claims for bodily injury, property damage, personal injury or advertising injury stemming from the operation of your practice.

Employee Benefits-Program Liability
Claims for errors arising from the administration of employee benefits programs.

Medical Payments
Claims for medical expenses incurred by people injured on your premises in nontreatment situations.

Excess Personal Liability (Optional)
Optional Excess Personal Liability (umbrella) coverage with a $1 million-per-occurrence limit, at a minimal quarterly premium.

• We pay defense costs in addition to the limit of liability on the policy.
• The policy requires the named insured’s written consent to settle a professional liability claim.
• Retroactive coverage (prior-acts coverage) is available for most physicians, subject to underwriting approval.
• SCPIE’s Extended Reporting Endorsement (tail coverage) provides an indefinite reporting period. Some companies limit the amount of time that tail coverage is in effect.
• We provide SCPIE-insured physicians with free tail coverage in the event of death or permanent disability.
• We provide free tail coverage in the event of complete retirement, as long as the oral/maxillofacial surgeon meets either of the following requirements:
  — They’ve been insured by SCPIE for the previous five consecutive years. Once that requirement is met, we set no minimum age for complete early retirement.
  — They’ve reached age 55, have been continuously insured by SCPIE for the past 12 months and have had continuous professional liability insurance with any carrier for the past five years.

Upon reaching age 65, retirement is not required to qualify for no-cost tail coverage, as long as the oral/maxillofacial surgeon has been insured by SCPIE for the previous five consecutive years.

• We give a 50% Part-time discount to doctors who practice 20 hours a week or less.
• We provide a New-to-Practice discount—75% for the first year, 50% for the second and 25% for the third.
• Our compensation for attending a trial—$250 per half-day, with a $10,000 aggregate—is considerably higher than what’s offered by some competing plans.
• We provide 45 days of free locum tenens coverage per year, subject to advance notification and underwriting approval.
• We provide a free Incident Coverage Trigger Endorsement, enabling physicians to report an incident while the policy is in force and still be covered if it turns into a claim after the policy has expired.
• We provide a Claims-Free discount of 5% for doctors who have been claim-free for the past five consecutive years, and 10% for 10 claim-free years.
• We offer a Loss Prevention discount of 5% for participation in the SCPIE/CALAOMS Risk Management program and annual attendance at loss prevention seminars.

Expert Claims Handling
For 30 years, The SCPIE Companies have provided pacesetting liability coverage to physicians; we currently insure approximately 350 oral/maxillofacial surgeons in solo and group medical practices. SCPIE’s claims management is unsurpassed when it comes to experience and expertise, which is why our success rate in defending insureds is outstanding. Only one out of five claims results in an indemnity payment!

Proactive Risk Management
Through our effective risk management program, we strive to prevent claims from being filed in the first place.

SCPIE risk management services include a 24-hour tollfree hotline, customized education programs, on-site consultations and risk evaluation of your practice.

Financial Strength and Security
SCPIE is a solid, well-capitalized professional liability insurer. Our policyholders can rest assured that whenever they need to defend their financial security and professional reputation, we’ll be there to stand by them!

To receive additional information and a free, no-obligation premium estimate, call SCPIE at 800/717-5333 or click here.