Certificates of insurance (COI)

Examples and requirements

Please click on your professional liability insurer below for more information.

Allied World Insurance Company

Please see below for an example certificate of insurance from Allied World Insurance Company:

Certificate of Insurance Requirements

  • The document must read “Certificate of Insurance” at the top. Please do not submit any other document, as we cannot accept it.
  • Your individual name must be listed under the “Name and Address of Named Insured” section or the “Additional Named Insureds” section. The certificate cannot only list your business in these sections.
  • Type of insurance: the certificate must be for professional liability insurance. Please do not submit student liability, commercial general liability, or cyber liability, as we cannot accept these policies.
  • The certificate must be currently active. The expiration date on the certificate cannot be in the past, nor can the effective date be in the future.
  • Please see below for required minimum limits of liability.

Most frequent notifications:

  1. “We need a revised copy of your certificate of insurance that lists you as a name insured or an additional insured on the policy.”

    If you received this notification, you have submitted a certificate that does not include your individual name under the “Name and Address of Named Insured” section or the “Additional Named Insureds” section. Your name immediately followed by LLC qualifies as an LLC and not an individual, so we cannot accept this either. If you do not have a certificate of insurance that includes your individual name, you can reach out to your insurer to receive an updated certificate from them that includes your name. Please see suggested language below for how to reach out to your insurer:

      Example letter

    Hi,

    I am currently in the process of being credentialed as a part of Headway’s provider group. One of the requirements is proof that I am an individual covered by my professional liability insurance policy.

    As a result, I would like a revised copy of my certificate of insurance, listing me under Named Insured or Additional Named Insured.

    This requirement is currently holding up my credentialing process, so any quick resolution would be greatly appreciated. Thank you in advance for your help!

    Best,

    Once you receive the updated certificate from your insurer, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  2. “We need your certificate of insurance, as you provided the declarations instead.”

    If you have received this notification, you have mistakenly uploaded a different page of your policy instead of the certificate. You have most likely submitted the declarations page of your policy. Please locate the document from your provider that reads “Certificate of Insurance” at the top. It will resemble the example 2 pages above. Once you locate your certificate, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  3. “The certificate of insurance should have “Certificate of Insurance” or “Memorandum of Insurance” printed at the top of the document.”

    If you received this notification, you have submitted your policy package instead of the certificate itself. Please follow the same directions that are listed in #2.

  4. “We need a copy of your current certificate of insurance, as the certificate provided expired XX/XX/XX.”

    If you received this notification, you have submitted an expired certificate of insurance. Please locate your renewed certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  5. “We need your current certificate of insurance, as the certificate provided does not begin coverage until XX/XX/XX.”

    If you received this notification, you have submitted a certificate that begins coverage in the future, but does not presently cover you. Please note that the “retroactive date” on the certificate will not suffice to provide proof of present coverage. Please locate your current certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  6. “Please provide coverage for your current occupation, as we cannot accept your professional liability coverage for Counselor Intern (or other occupations).”

    If you received this notification, you have submitted a certificate that only offered coverage for your time spent interning or at a lower license level. Since Headway only works with Masters level clinicians or higher, we will need an updated policy and its corresponding certificate of insurance that provides coverage for you working as a licensed, masters-level provider.

CPH & Associates

Please see below for an example certificate of insurance from CPH & Associates:

Certificate of Insurance Requirements

  • The document must read “Certificate of Liability Insurance” at the top. Please do not submit any other document, as we cannot accept it.
  • Your individual name must be listed in the “Insured” section of the certificate. The certificate cannot only list your LLC.
  • Type of insurance: the certificate must include professional liability coverage. Please do not submit any policies of other types of insurance coverage if the certificate does not include professional liability insurance.
  • The certificate must be currently active, in the “Policy Term” section of the certificate. The expiration date on the certificate cannot be in the past, nor can the effective date be in the future.
  • Please see below for required minimum limits of liability.

Most frequent notifications:

  1. “We need a revised copy of your certificate of insurance that lists you as a name insured or an additional insured on the policy.”

    If you received this notification, you have submitted a certificate that does not include your individual name under the “Name and Address of Named Insured” section or the “Additional Named Insureds” section. Your name immediately followed by LLC qualifies as an LLC and not an individual, so we cannot accept this either. If you do not have a certificate of insurance that includes your individual name, you can reach out to your insurer to receive an updated certificate from them that includes your name. Please see suggested language below for how to reach out to your insurer:

      Example letter

    Hi,

    I am currently in the process of being credentialed as a part of Headway’s provider group. One of the requirements is proof that I am an individual covered by my professional liability insurance policy.

    As a result, I would like a revised copy of my certificate of insurance, listing me under Named Insured or Additional Named Insured.

    This requirement is currently holding up my credentialing process, so any quick resolution would be greatly appreciated. Thank you in advance for your help!

    Best,

    Once you receive the updated certificate from your insurer, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  2. “We need your certificate of insurance, as you provided the declarations instead.”

    If you have received this notification, you have mistakenly uploaded a different page of your policy instead of the certificate. You have most likely submitted the declarations page of your policy. Please locate the document from your provider that reads “Certificate of Insurance” at the top. It will resemble the example 2 pages above. Once you locate your certificate, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  3. “The certificate of insurance should have “Certificate of Insurance” or “Memorandum of Insurance” printed at the top of the document.”

    If you received this notification, you have submitted your policy package instead of the certificate itself. Please follow the same directions that are listed in #2.

  4. “We need a copy of your current certificate of insurance, as the certificate provided expired XX/XX/XX.”

    If you received this notification, you have submitted an expired certificate of insurance. Please locate your renewed certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  5. “We need your current certificate of insurance, as the certificate provided does not begin coverage until XX/XX/XX.”

    If you received this notification, you have submitted a certificate that begins coverage in the future, but does not presently cover you. Please note that the “retroactive date” on the certificate will not suffice to provide proof of present coverage. Please locate your current certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  6. “Please provide coverage for your current occupation, as we cannot accept your professional liability coverage for Counselor Intern (or other occupations).”

    If you received this notification, you have submitted a certificate that only offered coverage for your time spent interning or at a lower license level. Since Headway only works with Masters level clinicians or higher, we will need an updated policy and its corresponding certificate of insurance that provides coverage for you working as a licensed, masters-level provider.

Healthcare Providers Service Organization (HPSO)

Please see below for an example certificate of insurance from Healthcare Providers Service Organization (HPSO):

Certificate of Insurance Requirements

  • The document must read “Certificate of Insurance” at the top. Please do not submit any other document, as we cannot accept it.
  • Your individual name must be listed under the “Named Insured and Address” section of the certificate. If the certificate only lists your LLC in this section, you must provide an employee list for the policy, which can only be issued by HPSO.
  • Type of insurance: the certificate must be for professional liability insurance. Please do not submit student liability, commercial general liability, or cyber liability, as we cannot accept these policies.
  • The certificate must be currently active. The expiration date on the certificate cannot be in the past, nor can the effective date be in the future.
  • Please see below for required minimum limits of liability.

Most frequent notifications:

  1. “We need a revised copy of your certificate of insurance that lists you as a name insured or an additional insured on the policy.”

    If you received this notification, you have submitted a certificate that does not include your individual name under the “Named Insured and Address” section of the certificate. Your name immediately followed by LLC qualifies as an LLC and not an individual, so we cannot accept this either. If you do not have a certificate of insurance that includes your individual name, you can reach out to your insurer to receive an updated certificate from them that includes your name. Alternatively, they can issue you an official employee list for the policy. Please see suggested language below for how to reach out to your insurer:

      Example letter

    Hi,

    I am currently in the process of being credentialed as a part of Headway’s provider group. One of the requirements is proof that I am an individual covered by my professional liability insurance policy. 

    As a result, I would like a revised copy of my certificate of insurance, listing me under Named Insured. Alternatively, Headway will also accept an attachment to the policy that lists me as an employee covered by the policy.

    This requirement is currently holding up my credentialing process, so any quick resolution would be greatly appreciated. Thank you in advance for your help!

    Best,

    Once you receive the updated certificate or employee list from your insurer, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  2. “We need your certificate of insurance, as you provided the declarations instead.”

    If you have received this notification, you have mistakenly uploaded a different page of your policy instead of the certificate. You have most likely submitted the declarations page of your policy. Please locate the document from your provider that reads “Certificate of Insurance” at the top. It will resemble the example 2 pages above. Once you locate your certificate, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  3. “The certificate of insurance should have “Certificate of Insurance” or “Memorandum of Insurance” printed at the top of the document.”

    If you received this notification, you have submitted your policy package instead of the certificate itself. Please follow the same directions that are listed in #2.

  4. “We need a copy of your current certificate of insurance, as the certificate provided expired XX/XX/XX.”

    If you received this notification, you have submitted an expired certificate of insurance. Please locate your renewed certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  5. “We need your current certificate of insurance, as the certificate provided does not begin coverage until XX/XX/XX.”

    If you received this notification, you have submitted a certificate that begins coverage in the future, but does not presently cover you. Please note that a “retroactive date” on the certificate will not suffice to provide proof of present coverage. Please locate your current certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  6. “Please provide coverage for your current occupation, as we cannot accept your professional liability coverage for Counselor Intern (or other occupations).”

    If you received this notification, you have submitted a certificate that only offered coverage for your time spent interning or at a lower license level. Since Headway only works with Masters level clinicians or higher, we will need an updated policy and its corresponding certificate of insurance that provides coverage for you working as a licensed, masters-level provider.

Mercer Consumer

Certificate of Insurance Requirements

  • The document must read “Certificate of Liability Insurance” at the top. Please do not submit any other document, as we cannot accept it.
  • Your individual name must be listed under the “Insured” section of the certificate. You may be listed as an “Owner” on the certificate as well. Otherwise, the Description of Operations section may make clear that you are covered under the policy. The certificate cannot only include your LLC.
  • Type of insurance: the certificate must include professional liability insurance. Please do not submit any policy that does not include professional liability coverage.
  • The certificate must be currently active. The expiration date on the certificate cannot be in the past, nor can the effective date be in the future.
  • Please see below for required minimum limits of liability.

Most frequent notifications:

  1. "We need a revised copy of your certificate of insurance that lists you as a name insured or an additional insured on the policy.”

    If you received this notification, you have submitted a certificate that does not include your individual name under the “Insured” section of the certificate, as an Owner, or in the Description of Operations section. Your name immediately followed by LLC qualifies as an LLC and not an individual, which we cannot accept. If you do not have a certificate of insurance that includes your individual name, you can reach out to your insurer to receive an updated certificate from them that includes your name. Please see suggested language below for how to reach out to your insurer:

      Example letter

    Hi,

    I am currently in the process of being credentialed as a part of Headway’s provider group. One of the requirements is proof that I am an individual covered by my professional liability insurance policy. 

    As a result, I would like a revised copy of my certificate of insurance, listing me under Named Insured or in the description of operations. Alternatively, I can be listed as an “Owner” on the certificate.

    This requirement is currently holding up my credentialing process, so any quick resolution would be greatly appreciated. Thank you in advance for your help!

    Best,

    Once you receive the updated certificate from your insurer, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  2. “We need your certificate of insurance, as you provided the declarations instead.”

    If you have received this notification, you have mistakenly uploaded a different page of your policy instead of the certificate. You have most likely submitted the declarations page of your policy. Please locate the document from your provider that reads “Certificate of Liability Insurance” at the top. It will resemble the example 2 pages above. Once you locate your certificate, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  3. “The certificate of insurance should have “Certificate of Insurance” or “Memorandum of Insurance” printed at the top of the document.”

    IIf you received this notification, you have submitted your policy package instead of the certificate itself. Please follow the same directions that are listed in #2.

  4. “We need a copy of your current certificate of insurance, as the certificate provided expired XX/XX/XX.”

    If you received this notification, you have submitted an expired certificate of insurance. Please locate your renewed certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  5. “We need your current certificate of insurance, as the certificate provided does not begin coverage until XX/XX/XX.”

    If you received this notification, you have submitted a certificate that begins coverage in the future, but does not presently cover you. Please note that a “retroactive date” on the certificate will not suffice to provide proof of present coverage. Please locate your current certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.6. “Please provide coverage for your current occupation, as we cannot accept your professional liability coverage for Counselor Intern (or other occupations).”

    If you received this notification, you have submitted a certificate that only offered coverage for your time spent interning or at a lower license level. Since Headway only works with Masters level clinicians or higher, we will need an updated policy and its corresponding certificate of insurance that provides coverage for you working as a licensed, masters-level provider.

NASW Risk Retention Group

Please see below for an example certificate of insurance from NASW Risk Retention Group:

Certificate of Insurance Requirements

  • The document must read “Certificate of Liability Insurance” at the top. Please do not submit any other document, as we cannot accept it.
  • Your individual name must be listed under the “Insured” section of the certificate. You may be listed as an “Owner” on the certificate as well. Otherwise, the Description of Operations section may make clear that you are covered under the policy. The certificate cannot only include your LLC.
  • Type of insurance: the certificate must include professional liability insurance. Please do not submit any policy that does not include professional liability coverage.
  • The certificate must be currently active. The expiration date on the certificate cannot be in the past, nor can the effective date be in the future.
  • Please see below for required minimum limits of liability.

Most frequent notifications:

  1. “We need a revised copy of your certificate of insurance that lists you as a name insured or an additional insured on the policy.”

    If you received this notification, you have submitted a certificate that does not include your individual name under the “Insured” section of the certificate, as an Owner, or in the Description of Operations section. Your name immediately followed by LLC qualifies as an LLC and not an individual, which we cannot accept. If you do not have a certificate of insurance that includes your individual name, you can reach out to your insurer to receive an updated certificate from them that includes your name. Please see suggested language below for how to reach out to your insurer:

      Example letter

    Hi,

    I am currently in the process of being credentialed as a part of Headway’s provider group. One of the requirements is proof that I am an individual covered by my professional liability insurance policy. 

    As a result, I would like a revised copy of my certificate of insurance, listing me under Named Insured or in the description of operations. Alternatively, I can be listed as an “Owner” on the certificate.

    This requirement is currently holding up my credentialing process, so any quick resolution would be greatly appreciated. Thank you in advance for your help!

    Best,

    Once you receive the updated certificate from your insurer, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  2. “We need your certificate of insurance, as you provided the declarations instead.”

    If you have received this notification, you have mistakenly uploaded a different page of your policy instead of the certificate. You have most likely submitted the declarations page of your policy. Please locate the document from your provider that reads “Certificate of Liability Insurance” at the top. It will resemble the example 2 pages above. Once you locate your certificate, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  3. “The certificate of insurance should have “Certificate of Insurance” or “Memorandum of Insurance” printed at the top of the document.”

    If you received this notification, you have submitted your policy package instead of the certificate itself. Please follow the same directions that are listed in #2.

  4. “We need a copy of your current certificate of insurance, as the certificate provided expired XX/XX/XX.”

    If you received this notification, you have submitted an expired certificate of insurance. Please locate your renewed certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  5. “We need your current certificate of insurance, as the certificate provided does not begin coverage until XX/XX/XX.”

    If you received this notification, you have submitted a certificate that begins coverage in the future, but does not presently cover you. Please note that a “retroactive date” on the certificate will not suffice to provide proof of present coverage. Please locate your current certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  6. “Please provide coverage for your current occupation, as we cannot accept your professional liability coverage for Counselor Intern (or other occupations).”

    If you received this notification, you have submitted a certificate that only offered coverage for your time spent interning or at a lower license level. Since Headway only works with Masters level clinicians or higher, we will need an updated policy and its corresponding certificate of insurance that provides coverage for you working as a licensed, masters-level provider.

Other

Certificate of Insurance Requirements

  • The document must read “Certificate of Insurance” or “Memorandum of Insurance” at the top. Please do not submit any other document, as we cannot accept it.
  • Your individual name must be listed under the “Named Insured” section of the certificate, or in the Description of Operations section at the bottom of the certificate. The certificate cannot only list your business in these sections. The name must be on the certificate.
  • Type of insurance: the certificate must be for professional liability insurance. Please do not submit student liability, commercial general liability, or cyber liability, as we cannot accept these policies.
  • The certificate must be currently active. The expiration date on the certificate cannot be in the past, nor can the effective date be in the future.
  • Please see below for required minimum limits of liability.

Most frequent notifications:

  1. “We need a revised copy of your certificate of insurance that lists you as a name insured or an additional insured on the policy.”

    If you received this notification, you have submitted a certificate that does not include your individual name under the “Named Insured” section or in the Description of Operations section. Your name immediately followed by LLC qualifies as an LLC and not an individual, so we cannot accept this either. If you do not have a certificate of insurance that includes your individual name, you can reach out to your insurer to receive an updated certificate from them that includes your name. Please see suggested language below for how to reach out to your insurer:

      Example letter

    Hi,

    I am currently in the process of being credentialed as a part of Headway’s provider group. One of the requirements is proof that I am an individual covered by my professional liability insurance policy.

    As a result, I would like a revised copy of my certificate of insurance, listing me under Named Insured.

    This requirement is currently holding up my credentialing process, so any quick resolution would be greatly appreciated. Thank you in advance for your help!

    Best,

    Once you receive the updated certificate from your insurer, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  2. “We need your certificate of insurance, as you provided the declarations instead.”

    If you have received this notification, you have mistakenly uploaded a different page of your policy instead of the certificate. You have most likely submitted the declarations page of your policy. Please locate the document from your provider that reads “Certificate of Insurance” at the top. It will resemble the example 2 pages above. Once you locate your certificate, please ensure that your certificate meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  3. “The certificate of insurance should have “Certificate of Insurance” or “Memorandum of Insurance” printed at the top of the document.”

    If you received this notification, you have submitted your policy package instead of the certificate itself. Please follow the same directions that are listed in #2.

  4. “We need a copy of your current certificate of insurance, as the certificate provided expired XX/XX/XX.”

    If you received this notification, you have submitted an expired certificate of insurance. Please locate your renewed certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  5. “We need your current certificate of insurance, as the certificate provided does not begin coverage until XX/XX/XX.”

    If you received this notification, you have submitted a certificate that begins coverage in the future, but does not presently cover you. Please note that the “retroactive date” on the certificate will not suffice to provide proof of present coverage. Please locate your current certificate, ensure that it meets all other criteria listed above, and respond to the email notification that you received with the certificate attached.

  6. “Please provide coverage for your current occupation, as we cannot accept your professional liability coverage for Counselor Intern (or other occupations).”

    If you received this notification, you have submitted a certificate that only offered coverage for your time spent interning or at a lower license level. Since Headway only works with Masters level clinicians or higher, we will need an updated policy and its corresponding certificate of insurance that provides coverage for you working as a licensed, masters-level provider.

 

Required minimum limits of liability

The limits of liability listed on your certificate must include at least these coverage amounts, but may include higher coverage accounts.

Click on your state below for more information.

Alabama
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Alaska
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Arizona
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Arkansas
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
California
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Colorado
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Connecticut
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Delaware
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Florida
  • All providers: $100,000 per occurrence / $300,000 aggregate
Georgia
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Hawaii
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Idaho
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Illinois
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Indiana
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Iowa
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Kansas
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Kentucky
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Louisiana
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Maine
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Maryland
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Massachusetts
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Michigan
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Minnesota
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Mississippi
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Missouri
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Montana
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Nebraska
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Nevada
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
New Hampshire
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
New Jersey
  • All providers: $1,000,000 per occurrence / $3,000,000 aggregate
New Mexico
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
New York
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
North Carolina
  • All providers: $1,000,000 per occurrence / $3,000,000 aggregate
North Dakota
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Ohio
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Oklahoma
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Oregon
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
  •  
Pennsylvania
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Rhode Island
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
South Carolina
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
South Dakota
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Tennessee
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Texas
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Utah
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Vermont
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Virginia
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Washington
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Washington, D.C. (District of Columbia)
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
West Virginia
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Wisconsin
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate
Wyoming
  • MD/DO/APRN: $1,000,000 per occurrence / $3,000,000 aggregate
  • Non MD/DOs: $1,000,000 per occurrence / $1,000,000 aggregate

 

Malpractice insurance

Our policy has always been that our contract allows providers to add us as “additional insureds” to their malpractice insurance, but in practice, we don’t do this. The important thing is that providers have the coverage with the limits stated in our contract. We have never enforced a requirement of naming us as an additional insured, and if we were to change our position on this, we would communicate that change to providers.

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