Please note all coverage is subject to actual policy terms and conditions.
Am I covered for patient claims involving COVID-19, including the unintentional transmission of the novel coronavirus (SARS-CoV-2)?
Yes. Unless your policy contains an endorsement specifically excluding claims arising from COVID-19, which would most commonly be applied on accounts with significant senior care facility exposure, we expect most patient claims alleging professional negligence relating to COVID-19 would be covered. If you’re concerned about coverage for COVID-19 claims involving transmission of the virus to employees, we suggest reviewing your workers compensation policy for potential coverage. For claims involving transmission of the virus to members of the general public, we suggest reviewing your general liability policy for potential coverage.
Do I need to maintain my liability insurance in light of recent federal and state laws, regulations, orders and declarations granting various levels of immunity from liability for certain providers treating COVID-19 patients?
The specific application of immunity protections will depend on the particular facts and circumstances of each case. In the event a claim is made against you, MedPro will defend any covered claim regardless of whether immunity applies. Please refer to the following resources for a listing of various federal and state actions, including grants of immunity:
- Medical Professional Liability Association (MPLA) - COVID-19 Pandemic State Government Activity
- U.S. Congress - CARES Act
- U.S. Department of Health & Human Services - PREP Act
Will my coverage remain in force if I suspend some or all of my practice (e.g., elective and non-urgent procedures) pursuant to RECOMMENDATIONS from the CDC, federal, state & local governments, healthcare accreditation organizations, licensure boards, and medical & professional associations – even if those entities provide differing recommendations?
Yes. You do not need to notify us about such temporary changes.
Will my coverage remain in force if I continue to practice despite RECOMMENDATIONS to suspend some or all of my practice (e.g., elective and non-urgent procedures) from the CDC, federal, state & local governments, healthcare accreditation organizations, licensure boards, and medical & professional associations – even if those entities provide differing recommendations?
Yes. You do not need to notify us about such temporary changes.
Will my coverage remain in force if I temporarily convert some or all of my existing practice to telemedicine or virtual office visits for existing and/or new patients?
Yes, as long as those patients are located in a state(s) in which you are authorized or licensed to practice, even if your practice in that new state is being conducted under an applicable federal or state waiver. You do not need to notify us about such temporary changes. However, starting a new practice or business (with a new patient base) will require an application and will be subject to underwriting review.
Will my coverage remain in force if I am temporarily practicing in/from a different physical location (e.g., another facility, office, parking lot, temporary testing center)?
Yes, as long as those patients are located in a state(s) in which you are authorized or licensed to practice, even if your practice in that new state is being conducted under an applicable federal or state waiver. You do not need to notify us about such temporary changes.
Will my coverage remain in force if I am temporarily practicing in a new state in which I AM authorized or licensed to practice in response to the COVID-19 pandemic?
Yes. However, you should notify us as soon as possible if you are beginning to practice in CT, IN, KS, LA, NE, NM, PA and WI since those states may require separate limits, additional information and/or premium for enrollment in their state funds. Please refer to the Federation of State Medical Boards for some helpful information about state medical board actions in response to the COVID-19 pandemic.
Will my coverage remain in force if I am temporarily practicing in a new state (whether care is provided in-person or remotely) in which I AM NOT authorized or licensed to practice?
Yes, if your practice in that new state is being conducted under an applicable federal or state waiver. Please refer to the Federation of State Medical Boards for some helpful information about state medical board actions in response to the COVID-19 pandemic.
Will my coverage remain in force if I am asked to temporarily provide care outside my specialty or scope of practice and do so?
In order to help us review your situation, please contact us as soon as possible to obtain approval for such temporary changes.
Will my policy provide coverage if we rehire retired or inactive doctors, advanced practice providers and staff?
Such individuals may (re)apply for coverage and will be reviewed on a case-by-case basis. We will not consider such temporary practice in response to the COVID-19 pandemic a breach of permanent retirement provisions for free tail coverage.
Will my policy provide coverage if I hire a substitute (locum tenens) provider due to COVID-19 developments?
Yes, coverage is available at no additional premium for qualifying providers (incl. physicians, surgeons, dentists, chiropractors, podiatrists, optometrists) who wish to employ a locum tenens provider during a short-term absence not to exceed 45 days. You do not need to notify us about such temporary changes.
Please note we are unable to provide locum tenens coverage in CT or for fund-enrolled providers in IN, KS, LA, NE, NM, PA and WI.
Will MedPro provide coverage for volunteer work?
Yes, and if you are already covered on a MedPro Group policy no specific notice is required. In the event you are a retired MedPro insured and would like to apply for free volunteer coverage, please click here for a copy of our Request for Volunteer Coverage Form. In addition, there may be protections afforded to individuals under certain state Good Samaritan laws.
Will my policy provide coverage if we provide daycare services for children of employees?
For those policyholders who purchase General Liability coverage, we will consider requests to cover such temporary arrangements.
Will MedPro be able to address any urgent coverage changes or requests related to the providing of care in support of COVID-19 medical efforts?
We realize that COVID-19 developments may result in a need for additional medical support in many communities. This may include the addition of new providers, some of whom may be coming out of retirement, as well as existing providers looking to expand the scope of their duties. We will make every effort to prioritize these types of time-sensitive coverage requests. We ask that you reach out to your agent or broker who can help us identify and prioritize any such time-sensitive requests.
Is business interruption or crisis management coverage available for losses involving COVID-19?
MedPro’s healthcare liability policies do not provide Business Interruption coverage. We suggest you reviewing your property insurance policy for potential coverage. With respect to crisis management coverage, some MedPro policies for hospitals, senior care and healthcare facilities may provide limited coverage for the reimbursement of disinfection or evacuation expenses and related public relations expenses.
Am I covered for patient claims involving the administration of the COVID-19 vaccines?
Yes, MedPro Group will pay claims that an insured becomes legally obligated to pay, subject to all the terms, conditions, limits, and exclusions described throughout the policy. We encourage you to learn more by reviewing our Frequently Asked Questions on COVID-19 Vaccination as well as our COVID-19 Vaccine Resources and Risk Tips for Preparing for COVID-19 Vaccines and Addressing COVID-19 Vaccine Hesitancy Among Patients.
What if my practice is being temporarily suspended or reduced due to COVID-19 developments?
How is MedPro handling premium payments during the COVID-19 pandemic?
In response to the COVID-19 pandemic and state of emergency declarations, MedPro announced in March that it was temporarily postponing until June 30, 2020 the due dates for outstanding premium payments originally due on or after March 13, 2020, or as otherwise required.
MedPro subsequently announced and implemented a deferred payment plan for insureds who met certain qualifications and faced challenges in paying the full amount due by June 30, 2020. While the offer date has since expired to enroll in the deferred payment plan in most states (except in Arkansas, New Jersey and Oregon)*, we encourage insureds to contact their agent/broker should financial circumstances prevent payment in full of billed premiums when due.
Click here to view state-specific premium relief information. States requiring additional payment options include AR, DC, MI, NJ, NM, NY and OR. We will continue to monitor developments, including state regulatory changes, and adjust our response accordingly.
Please contact your agent/broker with questions (or call MedPro Customer Service at 800-463-3776 if you don’t have an agent/broker).
What should I do if I have questions relating to employment matters in my practice (e.g., asking employees to come to work, sign waivers, go on furlough, take pay cuts, etc.)?
How are the COVID-19 developments impacting MedPro staff and service?
Our commitment to the health and wellbeing of our employees and families is of utmost importance. We are presently taking steps in each of our office locations to protect our staff and reduce the potential for community spread. While our goal is to avoid or minimize any adverse impact to our customers, we will keep you apprised and updated of any further changes that may cause a disruption to our service levels. To play our part in reducing the spread of this virus, we’ve restricted all business travel, but remain available by phone, email, video conferencing, etc.