By calling our claims department with an incident report, you avail yourself of an experienced professional who can tell you what to do and what not to do. It provides a record of the incident while details are fresh in your mind, initiates your insurance coverage and allows you to discuss the incident in an environment safe from discovery in the event of a suit. NPM involves you in all aspects of the claim process. Your claims representative will keep you informed on progress of your claim on a regular basis. Our system is such that it is extremely rare for any kind of disagreement on how a case should be settled.
Higher limits are available upon request.
A. NPM does not require or make recommendations on your liability limits. We feel it is a personal comfort issue which should be left up to the individual. In most cases we know what limits hospitals require for staff privileges and will advise our insured accordingly. For a very reasonable premium you may buy a separate liability limit to cover your business entity for the professional associated with a partnership, corporation or ther entity. Basically, NPM provides continued protection against claims after you retire.