Frequently Asked Questions (FAQ)

The Most Popular Questions and Answers (Q&A)

We’ve gotten hundreds of questions over the years. Scroll down to read the most common ones.

What is the difference between separate and shared limits?
With shared limits there, is one limit for the policy that the individual, legal entity and employees share for the policy period with no additional charge. With separate limits, individuals, legal entities and employees have their own set of limits under the policy and there is an additional premium charge.

Why is one carrier’s premium much lower than another carrier’s?
Each insurance carrier is responsible for filing their own insurance rates, forms, unique customer requirements and pricing formulas for their products with the appropriate department of insurance in each state. This means each insurance carrier is able to offer the rates that are filed and approved with the department of insurance, resulting in different rates.

What is workplace liability on my MedPro policy?
Coverage provided to compensate patients for damages resulting from bodily injury or property damages arising out of an event on the premise that is the insureds primary location.

Do I have to list all practice locations? Does my policy follow me?
Listing all practice locations depends upon what the insurance carrier guidelines require. Some carriers write your policy based upon your home address while other carriers require you to list all practice locations on your policy. A majority of Optometrist Professional Liability policies do follow you, but you need to confirm with your insurance agent.

FAQ Categories

Billing

Call the Optometric Protector Plan Customer Service Help Line at 1-888-297-5230 so that we may advise you on your options and what is required by the carrier for reinstatement review.
Each insurance carrier is responsible for filing their own insurance rates, forms, unique customer requirements and pricing formulas for their products with the appropriate department of insurance in each state. This means each insurance carrier is able to offer the rates that are filed and approved with the department of insurance, resulting in different rates.

Contact

Call the Optometric Protector Plan Customer Service Help Line at 1-888-297-5230 M-F 8:00 a.m. – 5:00 p.m. EST.
Call the Optometric Protector Plan Customer Service Help Line at 1-888-297-5230 so that we may advise you on your options and what is required by the carrier for reinstatement review.
Request online or call our Customer Service Help Line at 1-888-297-5230 M-F 8:00 a.m. – 5:00 p.m. EST.
Call the Optometric Protector Plan Customer Service Help Line at 1-888-297-5230 so that we may direct you to the appropriate Claims Center to file your claim.

Policy

Coverage extensions are provided automatically on all professional liability policies and limits cannot be decreased or increased.
Listing all practice locations depends upon what the insurance carrier guidelines require. Some carriers write your policy based upon your home address while other carriers require you to list all practice locations on your policy. A majority of Optometrist Professional Liability policies do follow you, but you need to confirm with your insurance agent.
With an occurrence policy, tail coverage is not needed as the policy in force when the claim occurs is the policy that responds.
Requestonline or call our Customer Service Help Line at 1-888-297-5230 M-F 8:00 a.m. – 5:00. p.m EST.
Request online or call our Customer Service Help Line at 1-888-297-5230 M-F 8:00 a.m. – 5:00. p.m. EST.
State and federal laws and rules vary per state statutes, you should check your state statutes or medical boards.
Flood is an excluded coverage under your policy. Coverage is only offer through the National Flood Insurance Program. Learn More
With shared limits there, is one limit for the policy that the individual, legal entity and employees share for the policy period with no additional charge. With separate limits, individuals, legal entities and employees have their own set of limits under the policy and there is an additional premium charge. Learn More
Coverage that protects the Optometrist against all claims arising from professional services performed while the claims-made policy was in effect but reported after termination of the policy. The “Tail” coverage only applies to a Claims Made policy, this coverage is built into an Occurrence policy.
Under a claims-made policy, this coverage provides insurance for claims arising from incidents that occurred while a previous claims-made policy or policies were in effect, but were not reported until that policy (or the last in a succession of policies) was terminated. With retroactive coverage, the new policy covers such claims, and purchase of tail coverage from the previous carrier is not required.
A person or organization not automatically included as an insured under an insurance policy who is included or added as an insured under the policy at the request of the named insured. Additional insured status is commonly used in conjunction with an indemnity agreement between the named insured and the other party requesting additional insured status.
Optometrists who work less than 10 hours per week outside of their primary place of employment, and are covered under their primary employers policy, qualify for a 60% premium credit. The primary employer is excluded from the MedPro Moonlighting policy.
Coverage provided to compensate patients for damages resulting from bodily injury or property damages arising out of an event on the premise that is the insureds primary location.
Each optometrist is different in choosing their limits. Some optometrists are required to carry a certain limit, so they have no choice but to carry what is stated in their contracts. Other optometrists pick their limits based upon price and what they would like to pay. Choosing your limit of liability is based upon what you think is adequate to carry if there is a claim filed against you.
Replacement Cost will replace the damaged property with materials of like kind and quality, without deduction for depreciation.
You, as the tenant need to protect yourself for bodily, personal injury or property damage for the premises you rent.

Type of Insurance

Yes, you as the employer are liable for on the job injuries of your employees.
Yes, Hired and Non Owned Auto liability covers bodily injury and property damage caused by a vehicle you hire (including borrowed or rented) or caused by non –owned vehicles that are owed by others including your employees. Example – Sending an employee to pick up lunch, drop off mail or pick up supplies.
No, umbrella insurance is a means of increase the basic liability limits over the underlying policies listed on the policy.
Flood (insurance) is an excluded coverage under your policy. Coverage is only offer through the National Flood Insurance Program.
General Liability, or “slip and fall coverage” covers legal obligations that are the result of injury or damage and protects against accidents & injuries that occur on company property or the property of a customer. Property coverage pays for losses and damages to your building and/or contents.
Occurrence policies cover you for injuries and/or claims that happen while your policy is in force, no matter when the claim is reported so there is no need to purchase tail coverage. Claims Made policies cover you for injuries and/or claims that happen and are reported while coverage is in force. To ensure you have coverage against claims reported after the policy ends, you have the option to purchase tail coverage.
To cover you for wrongful acts arising from the employment process. Most frequent are wrongful termination, discrimination, sexual harassment and retaliation. Other types are defamation, invasion of privacy, failure to promote, deprivation of a career opportunity and negligent evaluation.
You, as the tenant need to protect yourself for bodily, personal injury or property damage for the premises you rent.