Features and Benefits

• OUM’s policy is a scope of practice policy.
• Full or part-time employees are automatically covered under the OUM policy (except KS), except for other "licensed professionals."
• Regulatory Defense coverage that includes professional discipline, billing errors, and omissions, defense for HIPPA claims and defense for sexual misconduct claims at no additional charge.
• Peer review, utilization review, and independent medical exam coverage are at no additional cost.
• MUA, Needle EMG and Acupuncture coverage at no additional cost if within state scope of practice for chiropractic and the chiropractor has all necessary training and licensure.
• OUM provides up to $500 per day of reimbursement for expenses and lost income due to trial attendance with a limit of $5,000 per trial/$10,000 aggregate.
• OUM also offers Locum Tenens coverage at no additional charge.
• Corporation/partnership available.
• OUM offers Leave of Absence coverage.
• Legal fees are paid in addition to the policy limits.
• No deductibles, membership fees or application fees.
• Underwritten by A-Excellent rated carriers by A.M. Best.
• No Hammer Clause. OUM requires policyholder consent to settle any case.
• Payments, Policy renewals, Certificates of Insurance, and other items may be processed through the OUM website or through OUM’s telephone IVR system.

The OUM Chiropractor Program does not dictate how you practice as long as it is within your scope of practice, subject to a few specific exclusions. See policy for details on actual coverage.

Underwritten by either PACO Assurance Company or PICA. Coverage may vary by state.