Risk Management & Tort Defense

A summary of professional liability insurance coverage, exclusions, and policy information for students of the Montana University System in experiential (medical and non-medical related internships) and physician faculty/medical residents at the University of Montana Family Medicine Residency Program is provided below. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. To obtain insurance program requirements or an application for insurance coverage, please contact the Risk Management & Tort Defense Division at (406)444-2421.

SUMMARY

1. Insurer(s): American Casualty Company of Reading Pennsylvania (medical Interns), Great American Insurance Group (non-medical interns), and Hudson Insurance Company (physician faculty and medical residents at the University of Montana Family Medicine Residency Program).
2. Broker:   Alliant Insurance Services.
3. Term of Coverage: 7/1 to 6/30 each fiscal year.
4. Coverage Territory: The policy applies to claims brought in the United States (its territories and possessions). For coverage outside these territories please contact the Risk Management and Tort Defense Division.
5. Cause of Loss Covered: Negligent acts or omissions of students that arise from participation in internships that are required for graduation (medical and non-medical interns), approved academic projects (non-medical interns), and physician faculty or medical residents associated with the University of Montana Family Residency Program.
6. Liability Coverage: Personal injury, bodily injury, and property damage.
7. Limits of Liability:

Medical Interns Professional Liability

1. 1. • General Limit - $1,000,000 per occurrence/$5,000,000 aggregate per year
      • Grievance Proceedings - $1,000 per proceeding/$10,000 aggregate per year
      • Defendant Expense Benefit - $10,000 aggregate per year
      • Deposition Representation - $1,000 per incident/$25,000 aggregate per year
      • Assault - $1,000 per incident/$25,000 aggregate per year
      • Medical Payments - $2,000 per person/ $25,000 aggregate per year
      • First Aid - $500 per incident/ $25,000 aggregate per year
      • Damage to Property of Others - $250 per incident/$10,000 aggregate per year

Non-Medical Intern Professional Liability

1. 1. • General Limit - $1,500,000 per occurrence all coverages
      • Personal Injury/Property Damage - $1,500,000 per occurrence
      • Public Officials Errors & Omissions - $1,500,000 per occurrence/$5,000,000 aggregate per year
      • Broadcaster’s Liability - $1,500,000 per occurrence/$1,500,000 aggregate per year
      • Construction Trades - $1,000,000 per occurrence/$2 million aggregate

Physician Faculty/Medical Resident Professional Liability

1. • • General Limits - $1,000,000 occurrence/$3,000,000 per loss/$3,000,000 aggregate per year
     • HIPAA - $25,000 per proceeding/$50,000 aggregate per year.
     • Medicare/Medicaid Billing Errors - $25,000 per proceeding/$50,000 aggregate per year.
     • Privacy Liability Reimbursement - $50,000 per privacy claim/$50,000 aggregate per year.
     • Medical Board Hearings - $10,000 per proceeding/$20,000 aggregate per physician per year.

8. Deductibles:
   • Medical Interns Professional Liability - $0
   • Non-Medical Interns Professional Liability - $1,000 per occurrence
   • Physician Faculty/Medical Resident Professional Liability - $25,000 per claim