Application

for Medical Professional Liability Insurance Claims Made Policy

Application for Medical Professional Liability Insurance Claims Made Policy
IMPORTANT: You are applying for CLAIMS MADE COVERAGE. For your own protection, report to your CURRENT insurer BEFORE YOUR CURRENT POLICY EXPIRES ANY:
  • Incident which might lead to a claim;
  • Request for medical records;
  • Unfavorable result in treatment;
  • Knowledge of a patient or family member who might consider bringing a claim against you.

THIS APPLICATION WILL BE ATTACHED TO AND FORM A PART OF ANY POLICY THAT MAY BE ISSUED

  • Applicant must personally complete this application.
  • Please type or print legibly in black ink.
  • You MUST attach a curriculum vitae (CV) to this Application. Your CV will be incorporated into this application and any policy that may be issued.
  • You MUST attach the declaration page of your current policy.
  • You MUST report all circumstances that might reasonably be expected to result in a claim or suit to Physicians Standard Insurance Company (the “Company”), even if you believe that the claim or suit would be without merit.
  • If the applicant or claimant knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information for insurance, the applicant is guilty of a crime and may be subject to fines and confinement in prison.
  • EVERY question must be answered. If a question does not apply to you, mark it “N/A” (not applicable).
  • Incomplete answers and/or missing attachments may delay the processing of your application.

This is an Application only. Completion of this Application or its receipt by the Company or agent or broker does not bind the Company to issue a policy to you. Before coverage can be bound or a policy issued, this Application must be approved by the Company’s underwriting department and the initial payment must be received by the Company or its agent.

GENERAL INFORMATION
Name of Insured:


ADDRESSES
Primary Office Address:

Address
City
State/Province
Zip/Postal

Mailing Address:

Address
City
State/Province
Zip/Postal

Residential Address:

Address
City
State/Province
Zip/Postal

TELEPHONE/FAX NUMBERS


Please identify a contact person the Company may contact relating to the information contained in this application as well as future claims or incidents.

EDUCATIONAL BACKGROUND
PLEASE ATTACH A COMPLETE COPY OF YOUR CURRENT C.V.

State(s) where currently licensed:

INFORMATION REGARDING YOUR PRACTICE

A complete and accurate description of the nature of your practice is a condition precedent to coverage under any policy issued as a result of this application. Areas of your practice not fully and accurately described in this application will not be covered by any policy issued as a result of this application.

Are you Board Certified in a Specialty or Subspecialty (Must be recognized by the American Board of Medical Specialist or the American Osteopathic Association)?


FOREIGN MEDICAL SCHOOL GRADUATES



EMPLOYEES/ASSOCIATES

Please provide the information requested below for all medical doctors, doctors of osteopathy, dentists, anesthetists, physicians’ assistants, optometrists, clinical psychologists, licensed practical nurses, registered nurses, advanced practice nurses (including all nurse practitioners, certified nurse anesthetists, certified nurse midwives and midwives), emergency medical technicians, pharmacists, podiatrists, chiropractors, physical therapists, audiologists, acupuncturists and athletic trainers employed by or associated with you or your group:

CHANGES IN PRACTICE


Changes in practice procedures, specialty or location during the period of any policy issued as a result of this application will not automatically be covered. You must notify the Company of any change in your practice within 30 days of any such change. Changes will not be covered unless endorsed onto the policy.

COLLABORATIVE AGREEMENTS

If YES, and you are seeking coverage for your liability arising out of that agreement or arrangement, please provide the following information for each such person, complete Form F, and attach a copy of such agreement or arrangement:
Any policy issued as a result of this application will not provide coverage for collaborative practice agreements or arrangements unless such agreements or arrangements are disclosed to the Company and endorsed onto the policy. If you enter into any such agreement or arrangement after a policy is issued, and you desire coverage for such agreement or arrangement, you must contact your broker prior to entering into such agreement or arrangement to seek an endorsement to the policy.
In the last 5 years:

OTHER AFFILIATIONS


PROCEDURES

PLEASE CHECK THE APPROPRIATE BOX, INDICATING THE EXTENT OF SURGERY YOU PERFORM:

In the past 5 years:
In the course of any surgery, has general anesthesia been administered:

PLEASE CHECK THE PROCEDURES, WHICH YOU PERFORM FOR WHICH YOU ARE REQUESTING COVERAGE.
PLEASE CHECK ANY PROCEDURE YOU HAVE PERFORMED IN THE LAST THREE YEARS.

Section

Section

Section

CLAIM, INCIDENT AND INSURANCE HISTORY

IMPORTANT: The Company will rely on the accuracy of all statements made in determining whether or not to issue a policy of insurance. Incomplete or incorrect information given by you, in the event of a claim, may lead to the denial of insurance coverage. In addition, any policy issued as a result of this Application will not cover any claims, conduct, circumstances, occurrences, accidents, or medical incidents likely to give rise to a claim which are known to you or which should have been known to you on the date of this application, unless such is endorsed onto the policy

Have you ever:
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In the past 10 years:
Have you ever:

If you answered YES to any of the above questions, please complete Form A Claim Report/A-1 Incident Report for each affirmative answer.

A complete and accurate description of the procedures you have performed is a condition precedent to coverage under any policy issued as a result of this application. Procedures not fully and accurately described in this application will not be covered by any policy issued as a result of this application.

ANESTHESIOLOGISTS
Please complete Form E.

DENTAL RELATED FIELDS
Please complete Form C.

PODIATRISTS
Please complete Form H

GENERAL, THORACIC, VASCULAR and CARDIAC SURGERY

OBSTETRICS AND GYNECOLOGY
Please complete Form B.

OPHTHALMOLOGY
Provide a complete written description of your practice, including all procedures, and complete Form D.

POLICY OPTIONS

If YES, attach Declaration Page
If your current policy is, or any previous policies are, claims made, and you cancel the policy without purchasing an extended reporting endorsement (tail coverage), there will be no coverage for any claim from any act or omission that took place during that period of claims made coverage. However, you may apply for a policy with a Retroactive Date back to the first day of your previous claims made policy.
Retroactive Date Requested for entity
THIS APPLICATION WILL BE ATTACHED TO AND BECOME A PART OF ANY POLICY THAT MAY BE ISSUED.
I hereby declare that my statements in this application and any attachments hereto are true and accurate and complete, and that I have not withheld any information that is reasonably likely to influence the judgment of the Company in considering this application for professional liability insurance. Up
to the effective date of the policy for which I am applying, I agree to immediately notify the Company of any information, fact or circumstance that amends, modifies or changes any information contained in this application. I further agree to be bound by the Company’s underwriting guidelines.

In accordance with the provisions of Section 383.035 RSMo., I hereby state that I acknowledge and understand that the Company has published standard rates for coverage and that, due to underwriting, marketplace, type of practice, area of practice and past history reasons I may not be
charged such rate by the Company for coverage and may be charged an increased rate. I hereby acknowledge and consent to such increased rate to be charged by the Company for medical malpractice coverage under the Company Policy.

I hereby authorize the present and prior professional liability insurance carriers and any and all attorneys who have represented me in connection with any claim of professional liability to release to the Company upon its request for information regarding closed, pending, or anticipated claims and any
underwriting or other information which in the judgment of any such carrier, attorney, or the Company may have a bearing upon my acceptability to the Company as a professional liability insurance risk.

I also authorize all medical associations and medical societies in which I am or have been a member, all hospitals in which I now hold or have held staff privileges, the State Board of Medical Examiners for the State of Missouri and any other State in which I have practiced, or resided, and any and all
entities and physicians having information regarding me, to release to the Company, upon its request, any information any such person or entity may have which in the judgment of any such person or entity or the Company may have a bearing upon my acceptability to the Company as a professional liability insurance risk.

I hereby release and agree to hold harmless all persons or organizations releasing the information described above, their agents, servants, and employees, and the Company, its directors, officers, employees, agents, and members from any liability arising out of the release or use of any information released or furnished pursuant to this authorization, notwithstanding the fact that there may be errors, omissions, or mistakes contained in such released information.

I hereby acknowledge that persons and organizations releasing information described above will be advised that their identity, and the information they provide, will be held in confidence and will not be disclosed to me. I agree that I shall not seek to discover or compel the disclosure, through judicial
process, litigation or otherwise, of the identity of the persons or organizations releasing information described above or of the form or content of the information so provided, and I hereby expressly waive any right I may have to compel such disclosure.

I further agree that the Company and all persons and organizations described above may rely upon a photostatic copy of the foregoing authorization, which shall be of equal validity with the signed original.

I acknowledge that I am responsible for payment of all unpaid assessments and premiums regardless of whether anyone has agreed to pay premiums on my behalf.

I understand and acknowledge upon acceptance of this application by the Company, this application shall become a part of the Policy and operate as a contract between me and the Company.

With the submission of this application for insurance, I accept the following conditions during the processing and consideration of my application – regardless of whether or not I am granted insurance – and for the duration of the insurance which may be issued to me: To the fullest extend permitted
by law, I extend absolute immunity to, and release from any and all liability, the Company, MPM-PPIA, MPM-CM, LLC, MPM-CS, LLC, and all of their respective directors, officers, agents, members, employees and other authorized representatives, for any acts pertaining to my application for insurance, including ultimate cancellations, rejection, or approval for insurance, and any communications, reports, records, statements, documents, disclosures, including otherwise privileged or confidential information, made or given in good faith with respect to such application.

I acknowledge that acceptance into the Company’s insurance program is not a right of every applicant for insurance, and that my application will be evaluated by authorized management personnel and/or the Company’s underwriting committee. Submission of a payment or deposit with this application and provisional receipt of such payment by the Company does not constitute acceptance for insurance nor the creation of an insurance contract. If an applicant is not accepted, any such payment shall be returned to the applicant. I further acknowledge that acceptance of advance payment does not bind the Company to provide insurance.

By my signature on this Application, I hereby, as of the date I become a member, (or in the event this is a renewal application, the date provided below) constitute and appoint the Chairman of the Board of Directors of the Company, as my proxy with full power of substitution to represent the undersigned
by casting by proxy the vote to which the undersigned is entitled at all general, annual and/or special meetings of the members of the Company to be held between the date I shall become a member and the date 36 months from the date of my signature below, at which time this proxy shall expire unless renewed by the undersigned, whenever the undersigned is not personally present, or at any adjournment thereof, as if the undersigned were personally present; and the undersigned hereby ratifies and confirms all that may be done by virtue hereof. This proxy may be revoked by the member delivering a written notice revoking this proxy to the Secretary of the Company or as provided by law, but in the absence of such revocation it shall remain valid during the time herein specified; nor shall failure to use this proxy render it void.

Upon becoming a member of the Company, I agree to accept and will be bound by the Articles of Association and the Bylaws of the Company, as both may be amended from time to time, including provisions with respect to the obligation to pay assessments as and when charged. I agree to the duties
and obligations of a member as provided in the above referenced Articles and Bylaws, including the obligation to pay assessments as and when charged, and/or levied, during the period for which my policy is written, regardless of any intervening termination of said policy. I agree that any representative appearing on my behalf and appointed by me has authority to do so.

I authorize the Company to release and discuss all information contained in this application and any information relating to any future claim or incident to the person I have designated as my contact in this application.

Other than the incidents, events and claims disclosed on Forms A and/or A-1 attached hereto, since the Retroactive Date requested, there are no circumstances, acts, errors or omissions, known to me or of which I should reasonably be aware which could result in a professional liability claim against me or against any entity of which I am an employee, equity holder, officer or director.

By my signature, I understand and agree that any policy issued to me will be issued in reliance upon the representations made herein which are warranted to be true and complete. I further understand and agree that failure to provide true and complete responses to the foregoing questions may, at the option of the Company, result in the voiding of insurance issued in reliance on this Application and/or denial of claims under any policy issued.

Form A – MPM-PPIA
SUPPLEMENT TO APPLICATION
CLAIM / SUIT / INCIDENT REPORT

Please complete this form for each claim, suit and/or incident for which you respond Yes on your Application. Answer in adequate detail to allow proper evaluation. Further documentation may be requested by the
Underwriting Department.

I understand this information is part of my Application for Physician/Surgeon Medical Professional Liability Insurance.