HOW DO I APPLY FOR COVERAGE?
To apply for Doctors’ ARMOR coverage, please download and complete the application. Upon receipt of your completed application and documentation, a Doctors’ ARMOR representative will contact you.
If you need assistance or have questions regarding the application and/or application process, we encourage you to contact our office.
DOES DOCTORS’ ARMOR WORK WITH INSURANCE AGENTS / BROKERS?
Yes! Doctors’ ARMOR welcomes every opportunity to assist insurance agents and brokers with their client’s coverage requirements. We understand and respect the resources an agency spends building a positive client relationship. By providing every agency with prompt, courteous and knowledgeable support, it allows the agency to continue providing its clients with superior customer service.
HOW IS MY PREMIUM DETERMINED?
The amount of premium charged is based on geographic location, specialty, procedures performed, requested limits of liability, total number of years of exposure covered and claims experience.
HOW IS THE CAPITAL CONTRIBUTION CALCULATED?
The Capital Contribution is one-third of the insured’s mature premium, less applicable credits and discounts.
DOES DOCTORS’ ARMOR OFFER INSTALLMENT BILLING?
Yes; Doctors’ ARMOR makes available to its insureds an installment billing plan. A small service fee does apply when installment billing is selected.
WHAT COVERAGE IS AVAILABLE FOR PHYSICIAN EXTENDERS?
Coverage, on a shared limits basis, for physician extenders is free of charge.
Separate limits coverage for Physician Extenders is also available – additional premium is required.
Physician extenders include: Nurse Practitioners, Advanced Registered Nurse Practitioners, Physician Assistant, Surgical Assistant, Certified Nurse Midwife, and Certified Registered Nurse Anesthetist.
PLEASE NOTE: Florida Statutes Section 458.320 requires ARNP’s carry a minimum of $250,000 / $750,000 in liability limits coverage. Sharing limits between the insured physician and the ARNP is not suggested as both parties may fall below the required minimum.
WOULD MY ANCILLARY STAFF (NURSES, LICENSED PRACTICE NURSES, MEDICAL ASSISTANTS, AND TECHNICIANS) BE COVERED UNDER MY DOCTORS’ ARMOR POLICY?
Unless specifically excluded, ancillary staff is automatically covered under each insured’s policy and is subject to the policy’s exclusions.