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FOUNDED WITH EXPERIENCE.

FOUNDED WITH EXPERIENCE. focused on Florida. What Sets Us Apart. Florida Focus Leadership Dependability Innovation Customer Driven. What Sets Us Apart. Founded in 2005; 3rd largest MPL insurer in Florida

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FOUNDED WITH EXPERIENCE.

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  1. FOUNDED WITH EXPERIENCE. focused on Florida. Confidential

  2. What Sets Us Apart • Florida Focus • Leadership • Dependability • Innovation • Customer Driven Confidential

  3. What Sets Us Apart • Founded in 2005; 3rd largest MPL insurer in Florida • Admitted, Florida-domiciled carrier dedicated 100% to insuring physicians and surgeons • Managed by ICM which is staffed with the most experienced MPL insurance executives in Florida Confidential

  4. FLDIC Experience *This represents the years of service with a professional liability insurance provider protecting Florida doctors. Confidential

  5. Financial Stability As of March 31, 2013 • Surplus is over $20,000,000 and growing • Over $31,000,000 in written business • Over $87,000,000 in assets • Financial Stability Rating® of A (Exceptional) from Demotech1 • A.M Best Rated “A” and “A-” reinsurance carriers utilized Notes: 1 The most current Financial Stability Ratings®must be verified www.demotech.com Confidential

  6. Unparalleled Claims Service • Our claims executives are among the most experienced available in the state. • Our staff understands the Florida court system; the plaintiff attorneys we face; and the laws that protect you, the physician. • Our expertise in the Florida legal system allows us to resolve issues quicker, with better results, so leave • the malpractice insurance to us and just practice medicine. Its what we both do BEST! Confidential

  7. Risk Management: The Proactive Approach • Everyone know the best defense is a powerful offense. • Our Free Risk Management Tools Include, but not limited to : • Office Risk Assessments • Telephone and Email Consultations • Risk Management Program Development • Risk Management Guide • Educational Programs and Presentations • Free Online CME Confidential

  8. e-MD Cyber Liability Coverage FLDIC offers $50,000 in coverage for a broad range of network related exposures, electronic and paper. This includes fines, penalties, patient notification and credit monitoring costs. No deductible! An option to purchase higher limits at a substantial discount is available. • NETWORK SECURITY & PRIVACY INSURANCE: Protection for violations of patients’ rights of privacy and personal or medical information unauthorized access of your computer system, including, denial or disruption of internet service, failure to identify theft or credit card fraud, or inadvertent transmission of computer viruses. • PATIENT NOTIFICATION AND CREDIT MONITORING COSTS: Protection for notifying patients of an actual or potential privacy violation including costs of credit monitoring services. • REGULATORY FINES & PENALTIES: Protection for administrative fines and penalties incurred as a result of covered privacy-related government investigation. • DATA RECOVERY COSTS: Protection of costs associated with the recovery of your data that has been compromised due to the acts of a third party. Confidential

  9. MEDEFENSE Plus Coverage FLDIC offers $25,000 in defense coverage for investigations conducted by a regulatory entity related to: • Disciplinary proceedings including actions by any professional review body, state licensing board or any professional review organization • Investigations related to Medicare or Medicaid alleging improper services and/or reimbursement for services • Allegations of EEOC, OSHA, CLIA, ADA or COBRA violations • Allegations of improper disposal of medical waste materials • Suits alleging sexual misconduct for which no coverage is included in the professional liability policy An option to purchase higher limits at a substantial discount is available. This additional coverage includes regulatory fines and penalties for the following types of events: • Alleged violations of HIPAA privacy regulations • Alleged violations of the Emergency Medical Treatment and Labor Act (EMTALA) • Alleged violations of federal, state or local anti-kickback or self-referral laws (Stark Laws) • Investigations alleging erroneous billings to a government or commercial health benefit payer Confidential

  10. The Benefits of Being an FLDIC Insured • The benefits are endless: • Claims-free discounts up to 25% • Expense savings discounts for groups of 2 or more • e-MDTM cyber liability coverage • Investigation Defense Coverage • Retirement tail – free after 3 years of coverage at any age • Retroactive and tail coverage available • Online payment capability through credit card or e-check • 0% financing and flexible payment options • Free UNLIMITED online CME’S • Part-time and new to practice discounts • Consent to Settle endorsement • Numerous online risk management tools and services Confidential

  11. APPENDIX Confidential

  12. Confidential

  13. Preferred Partners • FLDIC is the preferred carrier for numerous state, county and specialty physician associations. Through these partnerships, members of these associations receive a 10% discount on their medical professional liability insurance. Confidential

  14. Contact Information AGENT– Agency Office: Mobile: E-mail: Lesa Kemp – Vice President of Marketing Office: (904) 296-2887 x213, (800-352-3627 x213) Mobile: (904) 813-9284 E-mail: lkemp@fldic.com Confidential

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