Professional Liability

NOTE: Change to Medical Malpractice Limits Under the University of Illinois Liability Self-Insurance Plan

On June 9, 2011 the Board of Trustees of the University of Illinois voted to accept a change in language to its Liability Self-Insurance Plan trust document. The change sets limits of liability at a maximum of $1 million per claim and $3 million aggregate for those medical professionals providing clinical services at locations not owned, leased in whole or in part, or under the sole control of the University of Illinois. The change is effective January 1, 2012.

Professional Liability (Medical Malpractice)

Who Is Covered?

“Insured Persons” include employees in the health professions, medical and dental residents, and students in the health professions. The medical professional liability self-insurance program covers health professionals for bodily injury, personal injury, and damages arising out of professional services. In addition, students in the health professions are covered when enrolled, as well as when participating in a UI-approved practicum.The medical professional liability insurance covers health professionals at the University of Illinois Medical Center Chicago, the Colleges of Health Professions at all locations (Peoria, Rockford, Urbana), and all student health service centers. In all instances coverage is contingent upon the “insured person” acting within the scope of their University of Illinois duties and when providing “university services.”

Self-Insurance Plan

Information about the Plan, its limits, and its coverage can be found in the University of Illinois' Liability Self Insurance Plan (PDF). Only by approval of the Board of Trustees of the University of Illinois may Plan language be changed.

Note: Limits when a UI “insured person” is providing clinical services at locations not owned, leased in whole or in part, or under the sole control of the University are $1 million per occurrence and $3 million in the aggregate. When “university services” are provided at locations not owned, leased in whole or in part, or under the sole control of the University, “university servicemeans:

  • Faculty member obtains clinical privileges at another institution, performs clinical services at such institutions, and charges a professional fee through a university billing arrangement.
  • University enters into a fully executed revenue generating agreement with another facility that wishes to engage the professional services of a UI clinical service faculty. The institution compensates the university based on the terms of the contract.
  • Medical/dental residents performing clinical assignments/rotations.
  • Students in the health professions while acting within the scope of the duties assigned to them by the University for completing their degree, including when participating in an approved practicum.

Under no circumstances does the University provide medical malpractice coverage for “moonlighting” or when an individual receives compensation directly from another entity for clinical activities.

What is the Type of Coverage – Occurrence or Claims-Made?

Coverage is “occurrence”, meaning the coverage attaches based on the date of the occurrence and not when the claim is made. No “tail” coverage is necessary when the medical malpractice coverage is “occurrence”.

Determining a University Unit’s Premium

The University of Illinois annually obtains an actuarial analysis of its medical professional, hospital professional, dental professional, and hospital general liability self-insurance program. The report estimates the ultimate outstanding losses and expenses (liabilities) on a discounted basis at various confidence levels. The actuarial firm also determines the amount needed to set aside for funding claims that occur during the new fiscal year. The combined total is the normal indicated funding contribution (premium) required from the covered University units.

Loss Control Collaboration

Three units work together to effectively address loss control efforts: the Office of Treasury Operations, Office of University Counsel, and the University of Illinois Hospital Department of Safety and Risk Management. This group recognized that the importance of timely recognition of medical error and commiseration, along with prompt remedies, would reduce the number and financial severity of claims. Improving patient safety, fully disclosing instances where medical error did occur, apology, and rapid claim resolution became a major collaborative effort that was endorsed by the Board of Trustees and implemented in FY2006.

How to Request Proof of Coverage

In accordance with OBFS policy, the University Office of Risk Management is the only office permitted to issue evidence or proof of coverage. Requests from other contracting parties related to the University of Illinois' insurance programs must be directed to the University Office of Risk Management. You may request a document by submitting an online Request for Proof of Medical Professional Liability Coverage form, accessed from our Risk Management Forms page.

Who to Ask

For questions associated with Medical Professional or Hospital Professional/General liability, contact:

How to Report a Claim

To report a claim, a potential claim or the receipt of a subpoena associated with professional liability, please contact the Office of Claims Management at 312-996-6516.