Frequently Asked Questions

Click on a question below for an answer to these common questions. If you do not see your question here, contact us today at 402-392-1566 or 800-441-7742 for answers.

Q: How do I obtain a certificate of insurance?

If you are an employed caregiver, please contact your facility’s risk manager. If you are in private practice, contact PPIC’s Insurance Operations Division at 800-444-7742 or operations@ppicins.com.

Q: Will my policy cover moonlighting?

If you are an employed caregiver, your policy covers all of the acts within the scope and duties of your employment. Your policy does not cover activities outside of your employment (the only exception is in the case of a genuine emergency). If you are in private practice, your policy covers all of your medical activities.

Q: What is claims made coverage?

A claims made policy covers an adverse incident that occurs and is reported during the current policy year (i.e. after the retroactive date and before the policy expires). Claims made policy premiums “stair step” in price for five years until they reach maturity. When the policy expires, it is necessary to purchase extended reporting period (tail) coverage to protect against exposure to past incidents.

Q: What is a retroactive date?

The retroactive date is the date that your claims made policy coverage went into effect.

Q: What is tail coverage?

The extended reporting period endorsement, or “tail,” is attached to your current claims made policy. It protects against future claims for incidents that occurred between the retroactive date and the policy expiration date, but that were not reported during that period.

Q: Under what conditions can I receive tail coverage at no additional premium?


PPIC provides free tail coverage in the event of your 1) death 2) permanent and total disability or 3) retirement from the practice of medicine (if you have five or more consecutive years of participation with PPIC).

Tail coverage is provided at the limits of liability in effect when your ongoing coverage expires.

Q: How can I avoid gaps in coverage if I currently have a claims made policy with another insurer?

You can either request prior acts coverage from PPIC or purchase tail coverage from your previous carrier.

Q: If I decrease my activities and thereby lower my classification, will it affect my policy premium?


You would pay a lower premium under a claims made policy. There is a one-time charge to reflect the exposure of the higher classification.

Q: How do I report changes in my practice?

If you are an employed caregiver, you should report any change to your risk manager. If you are in private practice, you should notify PPIC’s Insurance Operations Division at (800) 441-7742 or operations@ppicins.com.


Q: What will I pay in premium?

Premiums are based on an underwriting review of your application and the current rates on file with the department of insurance in your state.

Q: If I report medical incidents, will it affect my premium?

There is no surcharge or penalty for reporting incidents, and PPIC strongly encourages all insureds to do so. If you are an employed caregiver, please contact your risk manager. If you are in private practice, contact our Claims Department at (800) 441-7742 or claims@ppicins.com.

Q: Can I pay my premium in installments?

PPIC offers either quarterly installments with no finance charge or annual pay with a 2% premium discount in many states.

Q: Are part-time rates available?

Yes, medical staff members who meet certain criteria are eligible for part-time rates. Up to a 75% discount is available for eligible medical staff members depending on the hours practiced per week. PPIC uses a supplemental application and annual audit to verify part-time status.

Q: Is coverage provided for my support personnel?

Some members of your staff are automatically covered while under your employment, with you and your employees sharing the limits of liability. This limit sharing option, however, does not apply to the following employees: physicians, surgeons, physician and surgical assistants, CRNAs, midwives, podiatrists, and dentists. They can receive coverage with a completed application and additional premium charge. To purchase this coverage, please contact PPIC’s Insurance Operations Division at (800) 441-7742 or operations@ppicins.com.

Q: Are professional corporations, limited liability companies and partnerships eligible for coverage?

Yes. If all of the physician, dentist, podiatrist, CRNA, PA and nurse midwife members of the professional corporation, limited liability company, or partnership have obtained coverage through PPIC, we can cover the medical organization with a separate limit of liability at 10% of the total provider premium.

Q: Can locum tenens physicians receive coverage?

If you are an employed caregiver, please contact the risk manager of your facility to arrange for locum tenens coverage. If you are in private practice, your policy covers locum tenens. Before the physician begins practicing, you must contact PPIC’s Insurance Operations Division at (800) 441-7742 or operations@ppicins.com.

Q: How long after I apply will I know whether I can obtain insurance?

It takes approximately 10-15 business days to process an application. If you are interested in pursuing coverage with PPIC, please submit your application at least 30 days before you would like the insurance to take effect.

Click on a question to the left for an answer to these common questions. If you don’t see your question here:

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