Orthopedic Surgery Policy Information
Policy Types
Claims-Made Policy
Covers claims made during the policy period for incidents that occurred after the retroactive date.
Occurrence Policy
Covers incidents that occur during the policy period, regardless of when the claim is filed.
Recommended Coverage Limits
For orthopedic surgery, we typically recommend:
- • Minimum: $1M per occurrence / $3M aggregate
- • Recommended: $2M per occurrence / $6M aggregate
- • High-risk procedures: $3M per occurrence / $9M aggregate