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Resident and Fellow Policy Manual

Appendix 1 - Professional Liability Insurance:

Professional liability insurance is provided by the University’s insurance program for only those activities that are an approved component of the training program.  Rotations to Affiliated hospitals are insured by the Affiliated hospital.  Extra shifts worked at Highland or Strong Memorial hospitals are insured under the University's insurance program.  There is NO coverage under the University's program for professional activities outside the scope of the residency program nor for moonlighting at non-Strong Health facilities, nor while on vacation or disability.

Professional liability insurance information for residents or fellows for year 2007 follows:

CARRIER:

MCIC Vermont, Inc., an RRG

ADDRESS:

University of Rochester Medical Center

Attn:  Insurance Administrator

601 Elmwood Avenue, Box 308

Rochester, NY 14642-8308

Phone:  585-275-8019

Fax:      585-273-1024

POLICY NUMBER:

PR1107

COVERAGE FORM:

Claims-made.  MCIC will provide coverage for any claim arising out of an incident that occurred during your participation in the MCIC program (this is commonly referred to as “tail” coverage or an Extended Reporting Endorsement).  “Tail” will be provided as long as the URMC remains a shareholder in MCIC Vermont, Inc. or its successor and MCIC Vermont, Inc. or its successor remains in the business of issuing insurance policies covering events occurring during the related policy year.

COVERAGE SCOPE:

Limited to activities required to complete an approved program of medical education

POLICY TERM:

01/01/2007 to 01/01/2008, coverage automatically terminates upon conclusion of training program at the University of Rochester Medical Center or the Strong Partners Health System

COVERAGE LIMITS:

$2,500,000 per claim

No annual aggregate

CLAIM HISTORY:

Available upon receipt of written request from the insured physician or to a third party upon receipt of a release signed by the insured physician.  There is a 30 business day response timeframe to claim history requests.

TO REPORT A CLAIM:

Contact the Risk Manager on-call at 585-275-8019

 

The insurance policy is a modified claims-made policy, which covers claims, or adverse medical incidents actually reported to the company during the policy year.  The claim or medical incident must also have occurred after the coverage under this program was obtained.  Claims related to services rendered prior to a trainee's coverage under this program should be covered by the insurance carried by that practitioner at the time the service was rendered.

As a modified claims-made policy, MCIC will provide coverage for any claim arising out of an incident that occurred during a trainee's participation in the MCIC program (this is commonly referred to as “tail” coverage or an Extended Reporting Endorsement).  This “tail” coverage will be provided as long as the University of Rochester Medical Center remains in the MCIC insurance program and the Company still issues new policies.  The University of Rochester Medical Center is responsible for securing and paying for alternative insurance coverage for you should it withdraw from the MCIC program or if MCIC no longer continues to issue new policies.  Of course, no coverage will be provided for any claims that arise out of services rendered after an insured physician terminates participation in the insurance program.