Frequently Asked Questions

Find answers to frequently questions regarding your MIEC policy, coverage, and more.

If you can’t find the answers you need here, please reach out to us here.

Coverage & Policy:

MIEC issues a modified claims-made policy. Premiums over the first five years of coverage are increased, or “step up”, to reflect the accumulation of exposures to loss during this period of time. Policies issued without "Prior Acts" coverage, sometimes referred to as “nose coverage”, are charged the first-year rate.  Step-rate changes differ based on specialty and territory, but generally occur over a five-year period.  After the step-rate period has ended, the policy or coverage is considered “mature”.

Extended reporting endorsements (ERE), or “tails”, are generally offered once a policy or coverage is terminated.  MIEC offers an ERE at no additional premium for death, disability and retirement.  Physicians who have reached the age of 55 and have been insured at least five (5) consecutive years by MIEC at the time of retirement are eligible for a retirement tail at no additional charge.

DataGuard provides coverage for information and network security risk and protection from the growing risk associated with unauthorized access to information technology and patients' personal health information. It covers you and your practice for expenses associated with events such as:

  • Suits for accidentally disclosing a patient's personal health information
  • The cost of credit monitoring services because of an inadvertent breach of information
  • Costs for recovering lost electronic data
  • Fines for a HIPAA violation

Reasons for suspension are illness, leave of absence, sabbatical, military and maternity leave. All other requests are subject to manager approval.

  • Leave of absence is defined as a period of time that one is away from his/her primary job while maintaining the status of employee. Generally in such an arrangement there is a predefined termination date. New Doctor Rule and suspension rates are not concurrent.

Requirements: (Split into two Qs/accordions?)

  • Minimum of 90 days (except for maternity & military leave)
  • Maximum one year
  • New Doctor Rule and part-time are NOT concurrent
  • Must be an MIEC insured for at least 2 years

There is no age limit on the MIEC policy however when treating minors different rules apply. For further info, please reach out to our PSRM department.

If you're an MIEC policyholder you can access digital specimen policy forms.

Once you're logged into your MIEC account you can access the specimen policy forms from either:

There you will find specimen policy forms broken down by states.

MIEC specimen policy forms page


Currently, MIEC only accepts credit card payments for annual payments. Installments can be made by either ACH debit or check. Please check back in the future for potential changes in our internal policy.


Claims can be reported to MIEC as follows:

  • By calling: 510-428-9411 or 800-227-4527
  • By emailing: