PROGRAM OVERVIEW
CMIC Purchasing Group is a non-profit collective of community clinics dedicated to patient safety, provider protection and clinician advocacy. Together with ProAssurance, our medical professional liability insurance provider, CMIC Purchasing Group offers access to specialized liability coverage and care for clinicians that educates, engages and protects. Our shared commitment is to always protect your clinic’s mission, reputation and ability to care for your patients through every stage of life.
CLINIC COVERAGE:
- A dedicated and experienced clinic-specific Underwriting Manager for all coverage needs
- Full access to award-winning risk education & CME webinars and programs
- Clinic-specific consultation and on-site assessments to reduce exposures
- Aggressive claims handling — resolving 86% without indemnity+
- Robust cyber liability coverage to protect against today’s threats
- Optional FTCA Gap coverage, General Liability and Prior Acts for individual physicians
- Online account management with:
- Integrated bill pay and account information
- Certificate of Insurance and Credentialing Letter requests
- Hundreds of medical liability focused CME opportunities
- Digital risk management resources
HIGHLIGHTS INCLUDE:
- FREE TAIL IN THE EVENT OF RETIREMENT, DISABILITY OR DEATH*
No minimum age requirement - ADMINISTRATIVE DEFENSE
Relevant reimbursement coverage for regulatory and review board proceedings in addition to loss of earnings - RIGHT TO CONSENT TO SETTLE
True policyholder control of whether to settle† - DEFENSE OUTSIDE THE LIMITS
Defense costs do not count against the applicable policy limits‡ - INFORMATION NETWORK SECURITY
Protection and guidance for data security breaches, patient privacy concerns, cyber extortion risks and more - CLAIMS-MADE** POLICY
Coverage is triggered the moment a claim is reported and coverage confirmed. Guidance and protection are then provided all the way through your claim being closed
+Average of aggregated formal (reserved) claims against insureds from 2013-2017 with NORCAL Insurance Company, NORCAL Specialty Insurance Company, Medicus Insurance Company, and from 2016-2017 with FD Insurance Company. NORCAL Group and its affiliated companies joined ProAssurance in 2021.
*No minimum age requirement; other qualifications apply. | †Subject to state law and policy terms. | ‡ProAssurance will pay defense costs and additional benefits for a covered claim in addition to the limits of coverage. Additional benefits include loss of earnings and expenses incurred to assist ProAssurance in the defense. | **‘Claims-Made’ refers to claims-made and reported.