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APPLICATION FOR PHYSICIANS & SURGEONS PROFESSIONAL LIABILITY INSURANCE
Notice: Th
e policy for which application is made applies only to “Claims” first made during the "Policy Period." Unless
amended by endorsement, the limits of liability shall be reduced by “Claim Expenses” and “Claim Expenses” shall be
applied against the deductible. Please read the policy carefully.
If space is insufficient to answer any question fully, attach a separate sheet.
I. GENERAL INFORMATION
1. (a) (i) Full name of Applicant:
(ii) Professio
nal Degree:
(b) Princi
pal practice address:
(Street) (County)
(City) (State) (Zip)
(c) Additional practice locations:
(d) (i)
Phone:
(ii) Fax:
(iii) E-Mail
Address:
(iv) Website Address:
(e)
(i) Date of Birth (
MM/DD/YYYY): (ii) Place of Birth:
2. Are you a U.S. c
itizen? ............................................................................................................................ [ ] Yes [ ] No
If No, what is your status in the U.S. and current citizenship?
3. Are you currently in active military servi
ce?............................................................................................. [ ] Yes [ ] No
4. Type of practice: [ ] solo practitioner (unincorporated) [ ] solo practitioner (incorporated)
[ ] professional corporation [ ] professional association
[ ] limited liability company [ ] partnership
[ ] other
5. (a)
Answer the following. If None, check here [ ]
Full name of entity:
Addres
s:
(Street) (County)
(City) (State) (Zip)
(b) Do you want coverage for the entity named Item 5(a) above?........................................................ [ ] Yes [ ] No
(c) Attach a copy of your letterhead.
(d) If you practice other than as an employee, unincorporated solo practitioner or independent contractor, list the
names of all physicians practicing under the entity named in Item 5(a) above.
6. Doe
s your practice:
(a) Have a Blog? ................................................................................................................................... [ ] Yes [ ] No
(b) Utilize an Electronic Health Records (EHR) system? .................................................................... [ ] Yes [ ] No
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7. Is the Applicant a “Covered Entity” under the Health Insurance Portability and Accountability Act of 1996 (HIPAA)
Privacy Rule?........................................................................................................................................... [ ] Yes [ ] No
If Yes,
(a) Has the Applicant implemented procedures to comply with the HIPAA Privacy Rule?................... [ ] Yes [ ] No
(b) Provide the name and title of the Applicant’s Privacy Officer.
Our Business Associate Agreement is available at www.markelcorp.com
. This is the only Business Associate
Agreement we will recognize.
II. LICENSE INFORMATION
1. Provide the following information for all of the states in which you practice:
State
License No. Effective Date Expiration Date Active (Yes/No)
2. Federal DEA License No. and status:
III. EDUCATION AND TRAINING
1. (a) Provide your medical or surgical specialty:
(b) Do you limit your practice to the specialty stated in 1.(a) above? ................................................... [ ] Yes [ ] No
(c) Do you have a subspecialty?........................................................................................................... [ ] Yes [ ] No
If Yes, describe.
2. Are you American Board certified? ........................................................................................................[ ] Yes [ ] No
(a) If Yes, provide the following:
(i) Medical specialty in which you are certified:
(ii) Date of certification:
Any recertification date(s):
(b) If No, do you plan on taking the Board examination? ..................................................................... [ ] Yes [ ] No
3. Provide the following information: Date
Name of Institution
City State Completed
Medical School
PGY-1/Internship
Residency – Specialty:
Fellowship – Specialty:
Other:
4. If you graduated from a foreign medical school, are you certified by the Educational Council for
Medical School Graduates?..................................................................................................................... [ ] Yes [ ] No
If Yes, provide the following: year of certification:
describe your medical degree:
5. Attached a CV or provide a detailed summary of where you have practiced your profession since completing your
training:
Name of Practice
City/State From (MM/YYYY) To (MM/YYYY)
6. Are you a member of any professional societies?................................................................................... [ ] Yes [ ] No
If Yes, provide information regarding your membership(s).
7. How many hours of continuing medical education have you take within each of the last two (2) years?
IV. SCOPE OF PRACTICE
1. (a) Do you perform surgery, other than incision of boils & superficial abscesses or suturing
skin & superficial fascia?.................................................................................................................. [ ] Yes [ ] No
If Yes, complete 1.(b) below.
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(b) If you perform any of the following procedures, check all that apply. For each procedure performed indicate
where the procedure is performed: H = Hospital O = Office S = Surgi-center of other
Location
Abortions - 1st Trimester
Abortions - 2nd/3rd Trimester
Acupuncture
Adenoidectomy/Tonsillectomy
Anesthesia – Non-obstetrical:
General
Spinal
Epidural
Anesthesia – Obstetrical:
General
Spinal
Epidural
Anesthesia – Other (describe)
Angiography
Angioplasty
Anti-aging procedures – other than
use of human growth hormone
(describe)
Arteriography
Assisting in Surgery – on own
patients or the patients of others
Breast Implants
Breast Reductions
Catheterization - other than umbilical
cord, urethral or arterial line in a
peripheral vessel
Cosmetic implantation or injection
of silicone or other material
Cryosurgery - other than on benign
or pre-malignant dermatological
lesions
Chelation Therapy
Dermabrasion/Chemical Peels
Dilation & Curettage
Discograms
Electroconvulsive Therapy
Erectile Dysfunction Therapy
Endoscopic procedures
Hair Transplants or Suturing of
Hairpieces
Herbal Medicine
Homeopathy
Hyperbaric Medicine
Hysterectomies
Location
Laser skin resurfacing
Laser Surgery (describe)
Lymphangiography
Mesotherapy
Minimally invasive surgery (describe)
Moh’s micrographic surgery
Myelography
Needle biopsies (describe)
Obstetrics:
Prenatal care
Normal deliveries - annual no.
Caesarean sections - annual no.
VBAC deliveries – annual no.
Home or non-hospital deliveries
Open Reduction of Fractures
Osteopathic Manipulation
Pain Management (describe)
Plastic – Cosmetic Procedures:
Blepharoplasty
Collagen injections
Botox injections
Liposuction under 3500 cc’s volume
Liposuction 3500 cc’s or more volume
Phalloplasty or penile implant
Rhinoplasty
Silicone implants
Silicone injections
Other plastic – cosmetic procedures
(describe)
Pneumoencephalography
Prolotherapy/proliterative therapy
Radiation Therapy
Radiopaque dye injections into blood
vessels, lymphatics, sinus tracts or
fistulae
Refractive surgery: LASIK, PRK, AK,
PTK, ICR
Sex reassignment/sex change surgery
Silicone injection
Spinal surgery (incl chemonucleolysis or
percutaneous, lumbar discectomy)
Trans Myocardial Laser procedures
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2. (a) Do you perform surgery for obesity? ............................................................................................... [ ] Yes [ ] No
If Yes, complete 2.(b) below.
(b) If you perform any of the following procedures, check all that apply and provide the number of procedures
performed:
Roux-en-Y:
Laparoscopic:
No. performed in past 12 months:
No. you expect to perform in next 12 months:
Open:
No. performed in past 12 months:
No. you expect to perform in next 12 months:
Banding:
Laparoscopic:
No. performed in past 12 months:
No. you expect to perform in next 12 months:
Open:
No. performed in past 12 months:
No. you expect to perform in next 12 months:
Gastric Restriction, Other (describe)
:
No. performed in past 12 months:
No. you expect to perform in next 12 months:
3. Is general anesthesia administered for any of the procedures identified in 1.(b) or 2. above?............... [ ] Yes [ ] No
If Yes, is anesthesia is administered by:
(a) you? ................................................................................................................................................. [ ] Yes [ ] No
(b) an Anesthesiologist?........................................................................................................................ [ ] Yes [ ] No
(c) a Certified Registered Nurse Anesthetist (CRNA)?......................................................................... [ ] Yes [ ] No
(i) If Yes, is the CRNA directed by or responsible to an Anesthesiologist? .................................. [ ] Yes [ ] No
(ii) If No, explain the type of surgery and percentage of your surgeries or average number of such cases per
month.
(d) Are Harvard Standards for the administration of all anesthesia adhered to?.................................. [ ] Yes [ ] No
4. (a) Do you perform any surgery in your office? .................................................................................... [ ] Yes [ ] No
If Yes, answer the following:
(i) Describe each procedure not already identified above in 1(b) or 2 above:
(ii) Is your surgical suite certified? ................................................................................................ [ ] Yes [ ] No
If Yes, provide the name of the certification body.
(b) Do you perform any surgery in other non-hospital facilities? .......................................................... [ ] Yes [ ] No
If Yes, answer the following:
(i) Describe each procedure not already identified above in 1(b) or 2 above:
(ii) Name each facility:
5. With the exception of surgery for obesity, does your practice include weight reduction or control by
other than diet or exercise? ..................................................................................................................... [ ] Yes [ ] No
If Yes, answer the following:
(a) Percentage of your patients that are weight control patients:
(b) Do you dispense any drugs? ........................................................................................................... [ ] Yes [ ] No
If Yes, provide the name(s) of the drug(s) dispensed.
(c) Do you use injections for weight control? ....................................................................................... [ ] Yes [ ] No
If Yes, provide the name(s) of the drugs injected.
6. Do you perform any hospital emergency room care?.............................................................................. [ ] Yes [ ] No
(a) If Yes, is this solely a requirement for active admitting privileges? ................................................. [ ] Yes [ ] No
(b) If No, provide a detailed description including the approximate number of hours per month spent in emergency
room care.
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7. Do you perform consultations outside the state of your primary office address, including but not
limited to the use of telecommunications technology as the medium for rendering medical services,
medical opinions or medical advice (telemedicine or internet medicine)?............................................... [ ] Yes [ ] No
If Yes, provide the following:
(a) Identify all states in which such patients reside:
(b) What percentage of your total practice is involved in such activities?
8. Do you interpret or diagnose from films, slides or specimens taken from patients residing in states
other than your primary practice address? .............................................................................................. [ ] Yes [ ] No
If Yes,
(a) Identify all states in which such patients reside.
(b) Are you licensed in each such state?.............................................................................................. [ ] Yes [ ] No
9. (a) Do you use experimental procedures, devices, drugs or therapy in treatment or surgery?............ [ ] Yes [ ] No
If Yes, do you follow FDA-approved protocols? ............................................................................. [ ] Yes [ ] No
If Yes, provide name and description of protocol.
(b) Are you a Principal Investigator for any clinical trial? ...................................................................... [ ] Yes [ ] No
If Yes,
(i) List the clinical trials.
(ii) Do you want coverage for this practice activity?....................................................................... [ ] Yes [ ] No
10. Do you:
(a) Dispense prescription drugs? .......................................................................................................... [ ] Yes [ ] No
If Yes, are you a registered dispensing practitioner? ...................................................................... [ ] Yes [ ] No
(b) Prescribe drugs via the internet?..................................................................................................... [ ] Yes [ ] No
If Yes, provide details.
(c) Provide diagnosis via the internet?.................................................................................................. [ ] Yes [ ] No
If Yes, provide details.
11. (a) Indicate the number of professional employees you employ or supervise in your practice for each of the
following: (If none, check here [ ])
Physicians other than yourself Podiatrists Chiropractors Optometrists
Physician’s Assistants* Nurses Midwives* Nurse Anesthetists* Psychologists
Surgeon’s Assistants* Nurse Practitioners* Other (describe)
*Provide a description of duties, in detail, including extent supervised on a separate page and attach protocols.
(b) Are all of the above individuals licensed in accordance with applicable state and federal
regulations? ...................................................................................................................................... [ ] Yes [ ] No
If No, provide a detailed explanation on a separate page.
(c) Do you want coverage for any professional listed above?............................................................... [ ] Yes [ ] No
If Yes, attached a Specified Medical Professional Liability Application for each professional.
12. (a) Average weekly patient load:
(b) Number of patients annually:
13. Average number of hours you practice each week:
14. What is your approximate gross annual income from your practice? (Check one.)
Less than $50,000 $50,000 to $99,999
$100,000 to $149,999 $150,000 to $199,999
$200,000 to $499,999 $500,000 or more (estimate) $
15. Do you anticipate any changes in your practice in the next year? .......................................................... [ ] Yes [ ] No
If Yes, attach a detailed explanation.
V. HOSPITALS AND AMBULATORY SURGERY CENTERS
1. Provide the following information for all hospitals and surgical centers where you are currently on staff:
Name
City State Percentage of Work Type of Privileges
2. Are you currently a hospital chief of staff or head of any hospital department?...................................... [ ] Yes [ ] No
If Yes, provide details.
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3. Do you or the organization named in Section I. 5(a) own (either wholly or in part), operate or
administer any hospital, nursing home, surgical center, urgent care center other facility where
medical services are customarily provided? ........................................................................................... [ ] Yes [ ] No
If Yes, provide a details, including the name, location, size, and number of beds.
VI. AFFILIATIONS
1. Are you in the employ of any individual, firm or corporation other than the employer named in
Section I. 5(a)?......................................................................................................................................... [ ] Yes [ ] No
If Yes, provide a detailed explanation including a description of your responsibilities.
2. Are you under contract to any individual, firm or corporation other than the contracting organization
named in Section I. 5(a)?......................................................................................................................... [ ] Yes [ ] No
(a) If Yes, provide a detailed explanation including a description of your responsibilities.
(i) If Yes, does any contract contain a hold harmless agreement? ............................................... [ ] Yes [ ] No
a. If Yes, attach a copy of the contract.
3. Are you in the employ of or under contract to any governmental entity? ................................................ [ ] Yes [ ] No
If Yes, provide a detailed explanation including a description of your responsibilities.
4. Do you advertise your professional services in any manner other than a simple listing in a telephone
directory? ................................................................................................................................................ [ ] Yes [ ] No
If Yes, attach a copy of all advertisements.
5. Are you associated with any agency or organization that engages in advertising for, or solicitation of
patients?................................................................................................................................................... [ ] Yes [ ] No
If Yes, attach a copy of the advertisement or applicable website address.
6. Are you the Medical Director of a nursing home, clinic, commercial enterprise or any other
organization?............................................................................................................................................ [ ] Yes [ ] No
If Yes, provide a detailed explanation and attach a copy of any contract or other agreement that describes your
position.
7. Do you have any administrative or teaching responsibilities?................................................................. [ ] Yes [ ] No
If Yes, provide the following and attach a copy of any contract or agreement:
(a) Name of organization and location:
Your title
(b) Does the organization provide you coverage for:
(i) Your administrative responsibilities? ....................................................................................... [ ] Yes [ ] No
(ii) Your direct patient care?.......................................................................................................... [ ] Yes [ ] No
8. Do you work for any locum tenens companies?...................................................................................... [ ] Yes [ ] No
If Yes, answer the following:
(a) Name of each company that places you in locum positions:
(b) Are you an [ ] Employee or [ ] Independent Contractor?
(c) Number of hours each month in which you work in locum positions:
(d) Does each company provide you with Professional Liability Insurance for locum positions?......... [ ] Yes [ ] No
(e) Attach a copy of your Certificates of Insurance.
9. Do you provide any services to any adult or juvenile inmates in any local, state or federal
correctional facility, jail, prison, holding facility or other location? .......................................................... [ ] Yes [ ] No
If Yes, provide details.
10. Are you engaged in or planning to engage in any “moonlighting” activities? .......................................... [ ] Yes [ ] No
If Yes, do you want coverage for your “moonlighting” activities? ............................................................ [ ] Yes [ ] No
If Yes, describe the activities.
VII. INSURANCE AND CLAIM HISTORY
1. Limits of Liability: Indicate the limit of liability requested:
Per Claim/Annual Aggregate
[ ] $ 100,000 / $ 300,000
[ ] $ 200,000 / $ 600,000
[ ] $ 250,000 / $ 750,000
[ ] $ 500,000 / $1,500,000
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[ ] $1,000,000 / $3,000,000
[ ] Other:
THE COMPANY DOES NOT GUARANTEE TO OFFER ANY OF THE ABOVE LIMITS.
2. List your prior Professional Liability Insurance for each of the last five (5) years, including the current year:
Limits of
Claims Made or
Ins Company
Liability Premium Eff./Exp. Dates Occurrence Form Retroactive Date
3. Do you currently participate in or plan to participate in:
(a) a state patient compensation fund, health care stabilization fund or other governmentally
established malpractice liability funding mechanism?..................................................................... [ ] Yes [ ] No
(b) the Virginia Birth-Related Neurological Injury Compensation Program? ........................................ [ ] Yes [ ] No
4. Has any claim or suit for malpractice ever been made against you or any organization proposed for
this insurance?........................................................................................................................................ [ ] Yes [ ] No
If Yes, how many?
Complete a copy of our Supplemental Claim form for each one.
5. Has any claim or suit for malpractice ever been made against you or any organization proposed for
this insurance that has not been reported to the current insurer or any prior insurer?........................... [ ] Yes [ ] No
If Yes, how many?
Complete a copy of our Supplemental Claim form for each one.
6. Are you or any organization proposed for this insurance aware of any act, error, omission, fact,
circumstance, or records request from any attorney which may result in a malpractice claim or suit?... [ ] Yes [ ] No
If Yes, how many?
Complete a copy of our Supplemental Claim form for each one.
7. Have you ever been investigated, asked to resign or been involved in official or non-official
proceedings brought by a hospital, managed care organization or other healthcare organization to
deny, limit, suspend, non-renew or revoke your privileges?.................................................................... [ ] Yes [ ] No
8. Has your license to practice medicine or your permit to prescribe or dispense drugs ever been
limited, suspended, revoked, placed on probation or been voluntarily surrendered in any state?.......... [ ] Yes [ ] No
9. Have you ever been notified to respond to, appear before or have you ever been investigated by
any licensing or regulatory agency on a complaint of any nature, including but not limited to
unprofessional or unethical conduct? ...................................................................................................... [ ] Yes [ ] No
10. Have you ever been charged with or convicted of an act committed in violation of any law or ordinance?
................................................................................................................................................................. [ ] Yes [ ] No
11. Have you ever been evaluated, treated or hospitalized for alcohol or substance abuse or mental or
emotional disorders?................................................................................................................................ [ ] Yes [ ] No
12. Have you ever had or do you now have a physical or mental disability or other condition or
circumstance that, despite reasonable accommodation, would limit your ability to safely practice in
your medical specialty?............................................................................................................................ [ ] Yes [ ] No
Note: If the Applicant does not purchase prior acts coverage from the Company there will be no coverage with
the Company for any claim, suit or circumstance based upon the rendering or failure to render
professional services prior to the effective date of the Applicant’s policy, if issued.
NOTICE TO THE APPLICANT - PLEASE READ CAREFULLY
No fact, circumstance or situation indicating the probability of a "Claim" or action for which coverage may be afforded by
the proposed insurance is now known by any person(s) or organization(s) proposed for this insurance other than that
which is disclosed in this application. It is agreed by all concerned that if there is knowledge of any such fact,
circumstance or situation, any "Claim" subsequently emanating therefrom shall be excluded from coverage under the
proposed insurance.
This application, information submitted with this application and all previous applications related hereto and material
changes to any of the foregoing of which the underwriting manager, Company and/or affiliates thereof receives notice is
on file with the underwriting manager, Company and/or affiliates thereof and is considered physically attached to and part
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of the of the policy if issued. The underwriting manager, Company and/or affiliates thereof will have relied upon this
application and all such attachments in issuing the policy.
For the purpose of this application, the undersigned authorized agent of the person(s) and organization(s) proposed for
this insurance declares that to the best of his/her knowledge and belief, after reasonable inquiry, the statements in this
application and in any attachments, are true and complete. The underwriting manager, Company and/or affiliates thereof
are authorized to make any inquiry in connection with this application. Signing this application does not bind the Company
to provide or the Applicant to purchase the insurance.
If the information in this application or any attachment materially changes between the date this application is signed and
the effective date of the policy, the Applicant will promptly notify the underwriting manager, Company and/or affiliates
thereof, who may modify or withdraw any outstanding quotation or agreement to bind coverage.
The undersigned declares that the person(s) and organization(s) proposed for this insurance understand that:
(i) The policy for which application is made applies only to "Claims" first made during the "Policy Period."
(ii) Unless amended by endorsement, the limits of liability contained in the policy shall be reduced, and may be
completely exhausted by “Claim Expenses” and, in such event, the Company will not be liable for “Claim Expenses”
or the amount of any judgment or settlement to the extent that such costs exceed the limits of liability in the policy;
and
(iii) Unless amended by endorsement, Claim Expenses” shall be applied against the “Deductible”.
WARRANTY
I warrant to the Company, that I understand and accept the notice stated above and that the information contained herein
is true and that it shall be the basis of the policy and deemed incorporated therein, should the Company evidence its
acceptance of this application by issuance of a policy. I authorize the release of claim information from any prior insurer to
the underwriting manager, Company and/or affiliates thereof.
Must be signed by the Applicant within 60 days of the proposed effective date.
Name of Applicant Title
Signature of Applicant Date
Notice to Applicants: Any person who knowingly and with intent to defraud any insurance company or other person files an
application for insurance or statement of claim containing any materially false information or conceals for the purpose of
misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects
the person to criminal and civil penalties.
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