How Much Coverage Is Really Enough?

A number of important considerations go into selecting the appropriate level of limits to carry. Each decision is as unique as the individual medical provider involved. That’s why having an expert, objective adviser is so important to selecting the limits that fit YOUR needs best. The MMA can provide you with valuable – South Carolina specific – benchmarking information related to limits carried by others in your specialty to use as a guide in your decision making. You may elect to carry limits that are higher or lower than the benchmarks depending on your individual practice, circumstances and other considerations.

Limits offered by the SCMMA are:

• $1,000,000 each medical incident/ $3,000,000 annual aggregate
• $1,200,000 each medical incident/ $3,600,000 annual aggregate
• $2,000,000 each medical incident/ $4,000,000 annual aggregate
• $3,000,000 each medical incident/ $6,000,000 annual aggregate

It is important to understand that with the SCMMA, defense expenses are SEPARATE from the policy limit. That means defense expenses do not count against your limit of coverage as they are incurred.

We offer some of the highest medical professional liability limits available anywhere in the country. More importantly, this full range of limits is available on either an Occurrence or Claims-made form.