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  • September 22, 2015

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  • Coming with Your Policy Renewal: Expanded Coverage from ISMIE

    Effective October 1, 2015, ISMIE Mutual is incorporating several favorable policy changes into all new and renewed ISMIE policies. ISMIE Mutual routinely seeks policyholder perspectives on coverage options; these new updates are a result of your feedback.

    These changes are detailed in a letter that is being sent to policyholders 60 days in advance of the policy renewal date. Here are a few highlights:

    • Several classes of Ancillary Personnel will be insured at no additional cost under your policy on a shared limit basis: dialysis technicians, obstetrical nurses, orthopedic technicians, orthopedic nurses, social workers, physical therapists, occupational therapists, surgical assistants, surgical technologists and other similar technicians. These personnel do not need to be reported by name to ISMIE Mutual. 
    • Defendant Reimbursement has been expanded to apply to chiropractors and podiatrists. Additionally, separately insured professional entities may now seek defendant reimbursement on behalf of their non-physician insured employees who attend a trial or deposition at the request of ISMIE. 
    • Legal Expense Reimbursement for medical licensure disciplinary proceedings has been expanded to apply to chiropractors and podiatrists. 
    • ISMIE's Consent to Settle provision, which assures physicians that ISMIE will not settle a claim without written consent, has been extended to insured chiropractors and podiatrists as well as separately insured professional entities.

    Watch your mailbox in advance of your renewal date for a complete overview of these and other modifications to your policy. If you have any questions, please call your broker or contact ISMIE Mutual's Underwriting division at 312-782-2749 or underwriting@ismie.com.

  • ISMIE Mutual Keeps You in the Driver's Seat

    driveYou are used to being in control, and for good reason. Your training has prepared you to make good decisions and care for each patient effectively.

    Being the target of a lawsuit can make you feel like someone else has taken the wheel - but ISMIE Mutual is committed to keeping policyholders in the driver's seat.

    ISMIE Mutual will not settle a claim without written consent. It's your professional reputation at stake, and when the time comes to defend it, we will be right there beside you with expert guidance and top-notch defense counsel.

    Being your Physician-First Insurer means that our first concern is your personal and professional wellbeing, and that means mounting a vigorous defense when your professional skills and judgment are questioned.

    If a lawsuit is filed against you, or you are concerned that one might be, call us immediately. Your ISMIE Professional Liability Analyst will discuss your unique situation and help you navigate every step of the process.

      Our professional claims staff is available to answer your questions M-F from 8:30 a.m. until 5:30 p.m. Simply call 800-782-4767 or send an email to claimreports@ismie.com. If calling after hours, leave a message and we'll get back to you the next business day.

  • New IDFPR Website Offers Easier Access, Navigation

    idfprThe Illinois Department of Financial and Professional Regulation has launched its updated website, offering licensed professionals and the people of Illinois easier access to many important functions.

    License look-up, license renewal, new applications and information about the department and professional licensure are all close at hand straight from the homepage. The site's fresh design is easy on the eyes, and while navigation has been dramatically simplified both on the desktop and on mobile devices, a useful search function allows even quicker access to individual pages and resources.

    Check out the new www.idfpr.com, and while you're there, take a moment to fill out the department's website feedback survey, located on the home page.

  • RM

  • AtIt

  • Fair and Reasonable? Not Illinois, Thanks to our Trial Lawyers

    The U.S. Chamber of Commerce recently released its ranking of state lawsuit climates, and the news is not good for Illinois. It isn't just our neighboring states that fare better by comparison. Illinois rates behind 47 states, according to a survey of corporate attorneys and executives.

    The Chamber has been conducting the Lawsuit Climate Survey since 2002, asking senior attorneys at major corporations about each state's lawsuit environment.  The business community says Illinois courts are bad, and getting worse: The last survey, conducted in 2012, ranked Illinois 46th

    By the business lawyers' assessment, only Louisiana and West Virginia have more toxic lawsuit environments than Illinois.

    Which locale tops the list with the best litigation environment?  Sensibility apparently comes in small packages, as Delaware maintains its position as the best state for fairness.