With EPIC, you're covered

EPIC generally writes claims made policies with limits of $1 million per occurrence with a $3 million aggregate group, with the ability to write limits higher, or lower, depending upon the statutory requirements.

Key policy attributes:

• Claims made coverage
• Prior acts available, subject to underwriting
• Consent to settle claims required of the insured group
• Defense costs outside the limits of liability
• Each physician receives his or her own $1 million/$3 million limits of coverage, with the group typically sharing in the limit of an underlying physician insured.
• Broad coverage definition: An incident report triggers claims made coverage
• Rating based on patient visits (Slot rating approach for staff transitions)
• Extended reporting endorsement ('tail') coverage offered in most circumstances, subject to pricing at the time of coverage