RF Ougheltree Insurance


Physicians, Surgeons, and Dentists

Eligible Accounts:

Coverage is offered on a non-admitted surplus lines basis for non-standard or hard-to-place accounts.

  • Solo physician and dental practitioners, as well as group practices
  • Multi-specialty, multi-state, including Puerto Rico, and incidental foreign exposures
  • Locum Tenens (Groups Only)
  • Staffing Groups
  • Correctional Medicine
  • Geriatrics and Limited Nursing Home Exposures
  • Emergency and Urgent Care
  • Radiology
  • Telemedicine
  • Alternative
  • Ambulatory Care, including in-store medical clinics
  • Surgery Centers, including Bariatrics and Cosmetics
  • Medi-Spas


  • Professional Liability Claims Made form
  • Limits are offered on a per physician/per claim event basis up to a policy aggregate
  • Full Prior Acts coverage is available on a per risk basis
  • Multiple year Optional Extended Reporting Periods
  • Death, Disability and Retirement ERP
  • Professional Corporations and Partnerships coverage
  • Flexible deductible options vary by risk
  • Incident Sensitive policy trigger available
  • Defense Costs in Addition to the Limits is available on a per risk basis or where required by state statute
  • Coverage provided for ancillary medical staff
  • Sub-limit for sexual misconduct

Coverage Options that are available from certain insurers:

Defense Costs and fines and penalties

Billing Errors-Defense costs, fines and penalties arising from actual or alleged Billing Errors.  Coverage extends to allegations made by Governmental Agencies, Qui Tam Plaintiffs and Contractors Working On Behalf Of the Government such as the Recovery Audit Contractors (RAC) and Zone Program Integrity Contractors (ZPIC) as well as Commercial Payors.

Medical Regulatory Violations-Defense costs, fines and penalties arising out of Medical Regulatory Violations.  Coverage extends to HIPAA (Patient Privacy), EMTALA (Emergency Medical Treatment and Active Labor Act) and STARK (Physician Self-Referral) violations as well as allegations made by Governmental Agencies, Qui Tam Plaintiffs, Contractors Working On Behalf Of the Government (such as RAC and ZPIC), and Commercial Payors.

Data Security and Privacy Coverages:

  • Network Security & Privacy Insurance – Coverage for third party claims alleging a financial loss as a result of a network security or privacy breach.  Includes coverage for both online and offline information, virus attacks, denial of service, and failure to prevent transmission of malicious code.  Also extends coverage for defense costs and fines/penalties for violations of privacy regulations including but not limited to HIPAA, Red Flag Rules, and the new Hi-Tech Act.
  • Multimedia Insurance – Coverage for both online and offline media.  Including claims alleging copyright/trademark infringement, libel/slander, advertising, false advertising, plagiarism, and personal injury.
  • Privacy Breach Responses Costs, Customer Notification Expenses and Customer Support and Credit Monitoring Expenses  – Includes all reasonable legal, public relations, advertising, IT forensic, call center, credit monitoring and postage expenses incurred by the insured for a privacy breach response.
  • Network Asset Protection – Coverage for all reasonable and necessary sums required to recover and/or replace data that is compromised, damaged, lost, erased or corrupted.  Coverage also includes business interruption and extra expense coverage for income loss as a result of the total or partial interruption of the insured’s computer system.  Includes coverage for cyber-terrorism.
  • Cyber Extortion - Will pay extortion expenses and extortion monies as a direct result of a credible cyber extortion threat.



  • In most cases we can use any carrier’s applications / claim supplements as long as they provide the necessary underwriting information and are currently signed and dated.  An Application Acceptance and Representation Statement and No Known Or Reported Loss Form may be required.
  • Claim Supplement for all incidents reported within the last 5-7 years.
  • Currently Valued Loss Runs for the last 5-7 years
  • Expiring Declaration Page


Physician/Surgeon Medical Professional Liability Insurance

Surgery Center Liability Insurance

Multi-Practice Clinic or Group Practice for Professional Liability Insurance

Corporate Emergency Room/Ambulatory Care Medical Professional Underwriter Questionnaire and Application for Professional Liability Insurance

Claim Supplement

Prior Acts Supplemental Application - Entity Medical Professional Liability Insurance

Application Acceptance and Representation Statement

Other Coverages:

All or most other coverages that comprise the Hull & Company, Inc. (RFO) practice are appropriate. Contact a staff broker to discuss a particular account.

All insurance product and/or coverage descriptions are informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverage may not be available in all jurisdictions.