The EPIX Difference

Policy Coverage

Emergency Physicians Insurance Exchange RRG (EPIX) writes Claims-Made policies with coverage limits of $1 million per occurrence and a $3 million aggregate.

Key policy attributes:

  • Claims-Made policy
  • Rating based on patient visits, subject to audit at end of policy
  • Prior acts available, subject to underwriting
  • 1 million/$3 million limits of coverage for each physician (shared by the Group's legal entity and mid-level providers). Higher / separate limit options are available
  • Defense costs outside the limits of liability
  • Broad coverage definition: An incident report triggers Claims-Made coverage
  • Consent to settle claims required of the insured Group
  • Additional coverage: Security/Privacy; Regulatory Proceeding; Patient Notification and Credit Monitoring and Data Recovery

    *Extended reporting endorsement ('tail') coverage offered in most circumstances, pricing subject to actual annualized patient visits

Help when you need it most

EPIX utilizes a holistic approach in providing medical professional liability insurance. By incorporating patient safety and claims expertise in the underwriting process, we not only understand our insureds better, we are able to quickly work with the leadership to improve their profile and mitigate potential liability risks.

EPIX is there for you in times of need

EPIX's process starts with a risk assessment of the Group, typically with a visit by one of our clinical experts. The risk report assists us in the evaluation of the Group's risk profile for determining premium. The report also forms the basis for the risk management program to be implemented in the first year.

The profile provided by the risk manager is one of many factors involved in the premiums charged to an EPIX Group. We also consider:

  • Practice characteristics of the Group
  • Historical claims experience
  • Geographical location of the practice
  • Qualifications and experience of the individual physicians and staff


Are you Violating EMTALA?


By Dr. Stephen Colucciello

Reviewed by Dr. R. A. Bitterman


EMTALA, the Emergency Medical Treatment and Active Labor Act. We all know the law, and as emergency providers we know we should do a medical screening exam (MSE) and not refuse appropriate transfers, but beyond that, most of us don't think about EMTALA very often. After all, we've got the MSEs and transfers down, so why should we?


Many of us do not realize that EMTALA covers other aspects of emergency care that we face every day. It is likely that some of you reading this article frequently violate this law. How? Keep reading... (Read More)


Tanvir M Dara, MD, FACP, FACEP"EPIX has been our Liability Insurance carrier from day one. We, as five Emergency Medicine Physicians, started an Urgent Care group in 2012 and since then EPIX has nicely complemented our needs and growth. EPIX not only offers WORLD CLASS customer service...; Read More

Tanvir M Dara, MD, FACP, FACEP
BetterMed Urgent Care
Richmond, Virginia