Professional Liability Insurance
MUSC provides medical professional liability insurance through the South Carolina Insurance Reserve Fund (IRF). The policy is an "occurrence" policy.
Who Is covered?
Any MUSC employee who is listed on the MUSC payroll. (Residents are listed as employees of MUSC)
When does coverage start?
Coverage starts the day the individual begins working. This is not a "claims made" policy, therefore, protection for occurrences extends beyond the last day worked.
Coverage
The policy will pay all sums the insured is legally obligated to pay, up to the limits stated in the policy, due to an occurrence which results in injury arising out of rendering or failure to render one or more of the professional services listed in the policy.

• Not Covered
  1) Any act arising out of dishonest, fraudulent, criminal, malicious, or deliberately wrongful acts or omissions.
  2) Any person whose acts or omissions are responsible for false and fraudulent claims.
  3) Disregard for Federal and State statutes and regulations.
  4) "Moonlighting"
  Note: The IRF has the option to refuse defense for deliberately unreported; untimely reported; and/or misrepresentation of occurrences when claims and suits are filed against the Insured (individual involved).
  Professional Services
  "Professional Services" means: 1) medical (including emergency medical and paramedical), surgical, psychological, dental, radiological, or nursing service or treatment, including the furnishing of food or beverages in connection with: 2) furnishing, fitting, or dispensing of drugs or medical, dental, or surgical supplies or appliances
  if the injury occurs after the Insured has relinquished possession thereof; 3) handling of or performing post-mortem examinations on human bodies; and 4) services by any person as a member or employee of any governing or other formal board or committee of the Named Insured" or as any other person charged with executing directives of
  any such board or committee.
• Occurrence
  "Occurrence" means any accident, incident, or other event (including non-action) which does or may reasonably be expected or intended by the Insured.* Note: The patient and/or family may believe an injury has occurred and bring legal action against a care giver.
• Injury as defined by IRF "Injury" means bodily physical injury, sickness, disease, mental or emotional distress accompanied by physical manifestation thereof, or death resulting from any one or more thereof.*
• Limits of Liability
  1 ) For physicians and dentists, the limits are 1.2 million dollars for a single occurrence with no annual aggregate.
  2) For all other employees, the limits are $600,000 for a single occurrence with no annual aggregate
• Your Responsibility for Your Insurance Coverage
  1 ) Report any and all occurrences with particulars, names and circumstances thereof as soon as practical following the occurrence.
  2) Cooperate with the IRF upon any and all requests made to you.
  Note: Occurrences may be reported via telephone or written report to the Professional Liability Division, University Risk Management, who is your connection to your insurance company, the Insurance Reserve Fund. Also, you are to report occurrences according to the guidelines within the various clinical departments, hospital, or facility where you are providing patient care.

* Medical Professional Liability Insurance Policy
**Named Insured means MUSC
This brochure is not an insurance contract

Medical Professional Liability Insurance Policy
Policy Number P1201200E
South Carolina Insurance Reserve Fund
P. 0. Box 11066, Columbia, SC 29201