Missouri Medical Malpractice
Joint Underwriting Association
The JUA will write Occurrence Forms of Health Care Professional Liability coverage for eligible providers.
Incidental to the Association issued professional liability policy, an optional Prior Acts policy for all providers will be offered. The policy will provide a separate limit of liability to cover claims occurring, but not known or previously reported to an insurer, during the period of time between the claims-made retro-active date of the expiring policy and the effective date of the new occurrence policy. Prior Acts policy quotes will be provided upon request. Prior Acts policies will not be offered on a stand-alone basis; they must be written incidental to an occurrence policy form written by the JUA.
NOTE: If your previous claims-made coverage was written on a “claim or demand” basis rather than an “incident reporting” basis, you may not wish to exercise this option, as incidents that you are aware of that have not previously been accepted as “claims” by your prior carrier, will be excluded from coverage under the “Prior Acts” policy provided by the JUA.
The JUA will also offer occurrence form General Liability coverage for facility providers.
Limits of coverage will be $1,000,000 per incident subject to an annual aggregate of $3,000,000, or $500,000 per incident subject to an annual aggregate of $1,500,000, for the professional liability policies. The same limit amounts will be offered separately for “Prior Acts” policies, and for the General Liability coverage. Separate limits will also be available for professional corporations of physician groups.
Occurrence is defined as a policy form that covers claims that result from services performed while the policy is/was in force, regardless of when the claim is reported. This means that when the provider chooses to discontinue coverage, it will not be necessary to purchase “tail” coverage. It also means, however, that providers with existing claims-made policy forms must either purchase an Extended Reporting Endorsement from their expiring carrier, or a Prior Acts policy from the JUA.
According to Missouri Statute, the plan is assessable to the casualty insurance companies licensed to write business in the state. It is, therefore, not assessable to its policy holders, and is also not subject to the protection of the Missouri Guaranty Fund.
Application forms and a copy of the underwriting manual are included in the “Forms & Links” section of this website. Completed applications and all supporting information should be submitted to the underwriter either by mail or fax at the locations indicated in the “Contacts” section of the website.
Once complete application information has been received by the JUA underwriter, a quote letter will be forwarded to the provider. If application information is incomplete, a letter will be issued requesting additional information. If there is sufficient information provided to calculate a quote, the JUA will provide a provisional quote subject to the receipt of any additional information that is required in order to complete the application.