Policyholder Services

If I have a claim, will it increase my premium or allow you to cancel my coverage?

Since we are a Risk Retention Group owned by and managed for ophthalmologists, we do not focus exclusively on frequency or severity when we evaluate a judgment or a settlement. We also want to know whether there has been a breach in the standard of care and why. That evaluation will decide our course of action. The mere filing of a claim will not result in a policy surcharge. Reporting a claim won’t even jeopardize your eligibility for the “loss free” discount; however, if the claim closes with payment of damages, this discount will no longer be available to you until you are once again “loss free” for two years.