Advantage Program for APPs

Essential coverage for advanced practice providers

Support built on trusted insurance that offers more

As healthcare continues to evolve, so do the needs of advanced practice providers (APPs) who are at the heart of it. Copic provides medical professional liability coverage for APPs that is offered through our partner—Western Summit, LLC. Our policies are for APPs who practice independently and need stand-alone coverage with benefits designed to match the real-world risks they are up against.

Western Summit is an MGA (Managing General Agent/Underwriter) that has worked with APPs for decades on similar programs. Copic's partnership with Western Summit is focused on standalone policies for APPs separate from existing Copic policies.

Program Highlights

Eligible risks: Physician Assistants, Nurse Practitioners, Certified Registered Nurse Anesthetists, and Registered Nurses doing limited Aesthetics
Stand-alone MPLI policy offering separate limits of liability
Program is not available in all states
Limits of Liability: $1M/$3M maximum limit
Opportunity to earn CNE credits through online education modules

Coverage Highlights

Claims-made or occurrence coverage
Consent to settle provision
Medical liability coverage: Defense costs are outside of policy limit
Covered Proceedings: $25,000 limit. Defense cost coverage for governmental investigations, medical board inquiries, disciplinary proceedings, and billing fraud and abuse investigations
Cyber liability coverage: $50,000 embedded

Additional Coverage Options

General Liability coverage
Prior acts coverage: Available, subject to underwriting approval
Additional insureds with shared limits, subject to underwriting approval
Medical Director/Supervising or Collaborating Physicians, subject to underwriting approval
50% Part-Time Premium Credit if working 20 hours or less per week
Suspension of premium for military or medical leave, subject to minimum premium requirement
Extended Reporting Period (Tail Coverage): An offer to purchase tail coverage is part of the cancellation process for claims-made policies. The length of the Extended Reporting Period is unlimited, or upon exhaustion of  policy limits.
Slot coverage

Why Choose Advantage Program?

Advantage Program is built on the strong, stable foundation of Copic, a financially stable company that earned its “A (Excellent)” rating from A.M. Best in 1999 and has maintained it without interruption since. With the Advantage Program, you get access to trusted experts and resources—from direct relationships with our Claims department to an extensive online patient safety and risk management library which includes on-demand educational courses.

Western Summit, LLC is a nationally recognized MGA (Managing General Agent) and Healthcare Wholesaler representing thousands of healthcare professionals in all 50 states, D.C., and Puerto Rico. They have placed over $500 million in premiums since their inception in 2001.

Contact Katie Hilland at Western Summit.

954.724.3917

[email protected]