Question 1

1. What states do you cover?

Accepted Answer

AZ, CA, CO, CT, FL, GA, HI, IL, MD, MI, NC, NJ, NY, OH, PA, SC, TN, TX, WA

Question 2

2. What is a claims made vs. occurrence policy?

Accepted Answer

DPL only offers claim-made coverage and reported. Claims made and reported policies offer coverage for claims made against the insured during the policy period and reported to the insurer during the same period. Occurrence policy covers incidents that occurred during a given policy’s period. Can file a claim whether policy is active or not.

Question 3

3. What are your ERP and Tail coverage options?

Accepted Answer

An Extended Reporting Period (ERP) applies when you have an active policy with us and need additional time to report claims under your current coverage.

A Tail Policy applies when you no longer have active coverage with us and need retroactive coverage to report claims arising from a prior policy period.

We do not offer unlimited tails. We have a 4 year option only

Question 4

4. What does Non-Stacking mean in my policy?

Accepted Answer

Non-stacking means that if a claim involves more than one insured person or entity under the same policy, the coverage limits do not increase. The policy will pay up to the stated limit only once for the claim, regardless of how many insureds are involved or how many claims arise from the same incident.

Question 5

5. What is  Terminated Physician Endorsement Coverage?

Accepted Answer

An endorsement in the insurance policy that addresses coverage for physicians who have retired, left the company or ceased practicing medicine etc. This endorsement extends liability coverage to claims that may arise after a physician has stopped practicing ensuring that they are still protected from potential malpractice lawsuits related to their prior professional activities,  as long as the primary insured policy remains in force.

Question 6

6. Why did my renewal premium increase?

Accepted Answer

Claims-made policies typically have a lower initial premium that increases gradually over a period of one to five years, until the policy is at a mature rate.

After that, premiums will only change due to claim experience or if the insurance company makes overall rate adjustments. The price of coverage increases year over year.  For instance, it’s common for a policy to double from year 1 to year 2 and increase by up to 50% from year 2 to year 3.

Question 7

7. What does it mean for a policy to mature?

Accepted Answer

That is when the price of the coverage plateaus and the yearly renewal costs stay the same, unless you have a claim, or the insurance company raises rates.

Question 8

8. What applications do I need to submit upon renewal?

Accepted Answer

A new DPL application is required every five years.

If you have any open claims with another carrier, updated loss runs must be submitted. In some cases, an underwriter may choose not to renew a policy and will provide advance notice in accordance with required guidelines. Any new underwriting guidelines in effect at the time of renewal will also apply.

Question 9

9. Do you offer any discounts?

Accepted Answer

We have an online education program, CME (Continued Medical Education) to help you save 5%. This can be used for new business or renewal.

For non-surgical specialties please complete 3 courses and for surgical specialties please complete 5 course to save on your next renewal.

Visit: https://www.dplrrg.com/riskmanagment to purchase the recommended courses for your specialty. Once completed send to your broker and Quote@prms-us.com

professional

liability

Frequently Asked Questions

Find quick answers to common questions about working with DPL, you broker, policies, billing, claims, and more.

A. Requests & Turnaround Times

Below is a breakdown of common requests and the appropriate contact information. To ensure timely service, please allow 24–48 business hours for an email response.

Loss History Report /credentialing

General questions email

Policy Requests

New submissions & bind orders

Claim inquiries

Finance questions

B. Working with your broker

1. What is an RRG?

2. Can I obtain insurance through the insurance company directly?

C. Coverage questions

1. What states do you cover?

2. What is a claims made vs. occurrence policy?

3. What are your ERP and Tail coverage options?

4. What does Non-Stacking mean in my policy?

5. What is Terminated Physician Endorsement Coverage?

6. Why did my renewal premium increase?

7. What does it mean for a policy to mature?

8. What applications do I need to submit upon renewal?

9. Do you offer any discounts?

D. Billing and Finance

1. How do I pay my bill?

2. I received a Notice of Cancellation, what do I do?

E. Claims

1. How do I report a claim?