Custom Medical Liability Coverage

Malpractice insurance isn't one-size-fits-all. Our underwriters work to personalize your coverage options to ensure you have the highest protection. With an average tenure of nearly 20 years in professional liability, our underwriting team knows exactly how to best support you.

ISMIE offers coverage solutions for many situations that may arise during the course of your career. These coverage alternatives apply if you are enrolled in ISMIE's Physician, Clinic Option, or Partnership/Corporation Professional Liability coverage programs

Custom solutions can be requested by contacting ISMIE:

Toll Free at 800-782-4767

Fax at 312-782-2023

Email to  

Required forms may also be downloaded from the Underwriting Forms and Applications section on this website or requested from ISMIE at the above contact information.

Suspended Coverage

For career breaks like maternity leave, fellowship, an illness, or travel, we recommend ISMIE’s Suspended Coverage. During the Suspended Coverage period, no coverage is afforded for direct patient care on your part and premiums are reduced by 75%. If the absence is due to illness, a letter from your treating physician is required.

Coverage for Employed Non-Physician Health Professionals

For non-physician health professionals not included in your policy, ISMIE offers separate coverage to: Certified Nurse Midwives, Certified Registered Nurse Anesthetists, Physician Assistants, Advanced Practice Nurses, and psychologists. Policies are also available on a separate limits basis for Podiatrists, Pharmacists, Chiropractors, Dentists and Optometrists.

Locum Tenens Coverage

Locum Tenens coverage is available for up to 90 days each policy period. Emergency medicine is limited to a maximum of 30 days. There is no charge for the first 30 days.

Part-Time Physician Coverage

If your “average weekly practice time” is not more than 21 hours per week, you may qualify for a 40% premium reduction.

Resident Physician Coverage

Any resident who moonlights 10 hours or less - per week - may qualify for a 72.5% reduction in quarterly premium. Those who moonlight between 11 and 21 hours may receive a 40% reduction.

Retired Physician Coverage

  • Retired physicians who occasionally perform treatments for relatives or friends — without remuneration — may qualify for an 80% reduction in quarterly premiums.
  • Free retirement tail to physicians of any age who have been insured with ISMIE for 10 consecutive years. We also offer free tail coverage to physicians who have reached 55 and have been insured with ISMIE for at least 5 consecutive years.

Free Medical Clinic Coverage

Coverage is available at a nominal fee to physicians who provide care without remuneration in a free clinic and includes free tail coverage when the policy is canceled. (Not necessary if you already have an active ISMIE policy.)

Higher Limits Available

ISMIE offers higher policy limits for partnerships, medical corporations and clinics/groups. These entities have large capital investments in property, medical and lab equipment.

ISMIE will work with our policyholders to customize higher limits on an as-needed basis. Our underwriting flexibility allows us to create a policy that is designed to meet the specific needs of each policyholder. An underwriter would be happy to answer any questions you have regarding higher limits. Please contact us at 800-782-4767, by fax at 312-782-2023 or by email at

Questions about ISMIE’s custom coverage options? Call today: 1-800-782-4767. Or email us at

Note: Availability of coverages and program features are subject to state insurance statutes in your particular state(s) of practice.

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