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Medical Malpractice Insurance for New York Physicians and Form

Medical Malpractice Insurance for New York Physicians and Form

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[Music] the two main types of policy forms for medical malpractice insurance is occurrence and claims made uh per their names uh is how they respond so the occurrence form responds when the medical act occurred and the claims made form responds when the claim is made there are several differences between occurrence and claims made to best illustrate that i'll give you an example and for this example we'll use a premium of ten thousand dollars for easy uh calculation and limits of one million three million on an occurrence form uh you would have using a ten thousand dollar premium you would start out year one if you were to have uh a new policy effective january 1st 2020. your premium would be ten thousand dollars you'd have limits of one million three million and then when you renewed in on january 1st 2021 those limits that you had in 2020 are set in stone you get issued a new set of limits in 2021 and so on and so forth every year you renew after that that you

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