APPLYING FOR COVERAGE

SCRUBS RRG is available nationwide.

The application process has some unique elements to it for each clinic or practice applying for membership to SCRUBS RRG, including:

  • Interviewing candidate group leaders
  • Reviewing patient safety standards
  • Examining loss experience in terms of dollars and underlying causes of claim events

Each of these steps provides SCRUBS RRG with the information necessary to select superior risk candidates for the group.

Physician Member Application
Underwriting Liability Risk Assessment

HOW PREMIUMS ARE DETERMINED

Premiums are calculated based on actuarially developed rates applied to the exposure base of the proposed insured. Since a RRG is built as a long-term solution to cost and stability issues experienced in the commercial market, SCRUBS RRG’s rates must be expertly calculated on a conservative basis.

Premiums, of course, must capture the cost of managing an insurance operation, and SCRUBS RRG’s physician leaders are determined to maintain a cost of doing business that is below the traditional expense load factors seen in the industry. The physician leaders of SCRUBS RRG consider the actuarial recommendations to conservatively determine the rates that will be required to provide strong long term security to its members. From prudent and responsible underwriting of applicants, SCRUBS RRG results are better than the general insurance marketplace, allowing the RRG to support rates superior to those offered by other insurers.

All rates are calculated based upon actuarial rate studies for each individual state and for rating territories within a state. SCRUBS RRG’s physician leaders work to provide better than average rates to all its members. Considerations are made for underwriting criteria such as individual exposures, historical results, quality of the facility’s current patient safety program, and the insured’s willingness to join SCRUBS RRG in working towards improvement in these areas.

Yes. Although members will not be required to resubmit any pre-underwriting paperwork, they will be reviewed for loss experiences, changes in exposures, year’s loss issues, as well as their participation in the RRG’s joint patient safety improvement program.

POLICY AND COVERAGE

SCRUBS RRG offers medical professional liability insurance coverage with various limits of liability under a claims-made policy featuring an incident trigger. The policy provides coverage for claims made against policyholders arising out of the performance of professional services rendered, or that should have been rendered, by the insured during a coverage period specified in the policy. Claims asserted against an insured are only covered when they relate to an incident that took place during the term when the policyholder had coverage with the Company and only if such claim is reported to the Company during the period of coverage.

Multiple locations can be covered through one policy and prior acts coverage is available to include terminated locations. SCRUBS RRG’s policy provides a run-off option for terminated locations.

No. SCRUBS RRG offers only non-assessable policies.

No. There are no mandatory deductibles.

Various limits are available to members; from $100k to $1M per claim. Individual policy aggregates are three times the per-claim-limit, and physician group policy aggregates are determined on a case by case basis.

In states where the statutory maximum limits are lower than set forth above, the maximum limits of coverage will be those allowed by statute.

A group opening a new location may add that exposure to their existing coverage or start a new and separate SCRUBS policy.

New practitioners can be added once the physician has submitted an individual physician application which has been approved by the underwriting team. Insured’s are encouraged to adopt SCRUBS RRG’s standards for training and practice history into their criteria for recruiting.

Yes. Tail coverage is offered. Any requests for tail coverage must be made by the insured in writing not later than 30 days after the policy expiration date or effective date of cancellation or termination of coverage.