N.Y. Comp. Codes R. & Regs. Tit. 11 § 70.15 - Physicians and surgeons medical malpractice policy provisions for the period commencing July 1, 1993; established rates
Territory 00 Remainder of State |
Territory 01 New York Orange Ulster Westchester |
Territory 02 Bronx Kings Queens Richmond Rockland Sullivan |
Territory 03 Nassau Suffolk |
Territory 04 Putnam Dutchess Columbia Greene |
Territory 05 Erie Niagara |
|
Class |
||||||
1 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
2 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
3 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
4 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
5 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
6 |
+3.7 |
+9.2 |
+9.2 |
+9.2 |
+9.2 |
+9.2 |
7 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
8 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
9 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
10 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
11 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
12 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
13 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
14 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
15 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
18 |
+9.2 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
+14.9 |
Territory 00 Remainder of State |
Territory 01 New York Orange Ulster Westchester |
Territory 02 Bronx Kings Queens Richmond Rockland Sullivan |
Territory 03 Nassau Suffolk |
Territory 04 Putnam Dutchess Columbia Greene |
Territory 05 Erie Niagara |
|
Class |
||||||
1 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
2 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
3 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
4 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
5 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
6 |
+2.9 |
+8.3 |
+8.3 |
+8.3 |
+8.3 |
+8.3 |
7 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
8 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
9 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
10 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
11 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
12 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
13 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
14 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
15 |
+8.3 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
+14.0 |
Territory 00 Remainder of State |
Territory 01 New York Orange Ulster Westchester |
Territory 02 Bronx Kings Queens Richmond Rockland Sullivan |
Territory 03 Nassau Suffolk |
Territory 04 Putnam Dutchess Columbia Greene |
Territory 05 Erie Niagara |
|
Class |
||||||
1 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
2 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
3 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
4 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
5 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
6 |
+3.5 |
+9.0 |
+9.0 |
+9.0 |
+9.0 |
+9.0 |
7 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
8 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
9 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
10 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
11 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
12 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
13 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
14 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
15 |
+9.0 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
+14.7 |
Territory 00 Remainder of State |
Territory 01 New York Orange Ulster Westchester |
Territory 02 Bronx Kings Queens Richmond Rockland Sullivan |
Territory 03 Nassau Suffolk |
Territory 04 Putnam Dutchess Columbia Greene |
Territory 05 Erie Niagara |
||
Old Class |
New Class |
||||||
1 |
1 |
+ 3.0 |
+13.0 |
+17.0 |
+18.5 |
+16.0 |
+15.0 |
2 |
2 |
+ 0.9 |
+10.7 |
+14.5 |
+16.0 |
+13.6 |
+12.8 |
3 |
3 |
+ 2.4 |
+12.4 |
+16.2 |
+17.7 |
+15.3 |
+14.4 |
4 |
4 |
+ 3.0 |
+13.0 |
+17.0 |
+18.5 |
+16.0 |
+15.0 |
5 |
5 |
+ 3.0 |
+13.0 |
+17.0 |
+18.5 |
+16.0 |
+15.0 |
5A |
5A |
+ 3.0 |
+13.0 |
+17.0 |
+18.5 |
+16.0 |
+15.0 |
6 |
6B** |
- 4.1 |
+5.2 |
+8.7 |
+10.2 |
+7.9 |
+7.1 |
6A |
6A |
+ 3.0 |
+13.0 |
+17.0 |
+18.5 |
+16.0 |
+15.0 |
8 |
8 |
+ 3.0 |
+13.0 |
+17.0 |
+18.5 |
+16.0 |
+15.0 |
8A |
8A |
+ 3.0 |
+13.0 |
+17.0 |
+18.5 |
+16.0 |
+15.0 |
- |
8B** |
+ 3.8 |
+13.8 |
+17.7 |
+19.3 |
+16.8 |
+15.9 |
9 |
9 |
+ 3.0 |
+13.0 |
+17.0 |
+18.5 |
+16.0 |
+15.0 |
- |
9C** |
- 10.6 |
-2.0 |
+1.3 |
+2.7 |
+0.6 |
-0.2 |
9A |
9D |
+ 4.2 |
+14.3 |
+18.2 |
+19.8 |
+17.3 |
+16.5 |
9B |
9E |
+ 3.0 |
+13.0 |
+17.0 |
+18.5 |
+16.0 |
+15.0 |
10 |
10** |
+ 3.0 |
+13.0 |
+17.0 |
+18.5 |
+16.0 |
+15.0 |
** New Class 6B also includes those anesthesiologists previously included in Class 6A. New Class SB contains diagnostic and therapeutic radiology specialties previously included in Class 9. New Class 9C contains the family/general practice specialties previously included in Class 9. Class 10 now includes hospice medicine and psychiatry specialties previously contained in Class 9 and child psychiatry previously contained in Class 9B.
Year in Claims-Made Program |
Claims-Made Factor |
First |
31% |
Second |
64 |
Third |
85 |
Fourth |
94 |
Fifth |
99 |
Sixth |
102 |
Seventh |
104 |
Eighth and later |
105 |
Number of years completed in Claims-Made Program |
Tail Factor |
One |
74.8% |
Two |
122.1 |
Three |
146.4 |
Four |
162.4 |
Five |
173.3 |
Six |
181.0 |
Seven |
186.7 |
Eight or more |
190.6 |
The aggregate rate for a claims-made excess policy and its simultaneously issued tail, purchased by a general hospital on behalf of physicians, shall equal the corresponding occurrence excess coverage rate.
Footnotes
** New Class 6B also includes those anesthesiologists previously included in Class 6A. New Class SB contains diagnostic and therapeutic radiology specialties previously included in Class 9. New Class 9C contains the family/general practice specialties previously included in Class 9. Class 10 now includes hospice medicine and psychiatry specialties previously contained in Class 9 and child psychiatry previously contained in Class 9B.
Notes
State regulations are updated quarterly; we currently have two versions available. Below is a comparison between our most recent version and the prior quarterly release. More comparison features will be added as we have more versions to compare.
Territory 00 Remainder of State | Territory 01 New York Orange Ulster Westchester | Territory 02 Bronx Kings Queens Richmond Rockland Sullivan | Territory 03 Nassau Suffolk | Territory 04 Putnam Dutchess Columbia Greene | Territory 05 Erie Niagara | |
Class | ||||||
1 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
2 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
3 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
4 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
5 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
6 | +3.7 | +9.2 | +9.2 | +9.2 | +9.2 | +9.2 |
7 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
8 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
9 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
10 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
11 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
12 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
13 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
14 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
15 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
18 | +9.2 | +14.9 | +14.9 | +14.9 | +14.9 | +14.9 |
Territory 00 Remainder of State | Territory 01 New York Orange Ulster Westchester | Territory 02 Bronx Kings Queens Richmond Rockland Sullivan | Territory 03 Nassau Suffolk | Territory 04 Putnam Dutchess Columbia Greene | Territory 05 Erie Niagara | |
Class | ||||||
1 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
2 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
3 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
4 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
5 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
6 | +2.9 | +8.3 | +8.3 | +8.3 | +8.3 | +8.3 |
7 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
8 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
9 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
10 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
11 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
12 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
13 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
14 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
15 | +8.3 | +14.0 | +14.0 | +14.0 | +14.0 | +14.0 |
Territory 00 Remainder of State | Territory 01 New York Orange Ulster Westchester | Territory 02 Bronx Kings Queens Richmond Rockland Sullivan | Territory 03 Nassau Suffolk | Territory 04 Putnam Dutchess Columbia Greene | Territory 05 Erie Niagara | |
Class | ||||||
1 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
2 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
3 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
4 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
5 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
6 | +3.5 | +9.0 | +9.0 | +9.0 | +9.0 | +9.0 |
7 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
8 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
9 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
10 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
11 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
12 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
13 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
14 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
15 | +9.0 | +14.7 | +14.7 | +14.7 | +14.7 | +14.7 |
Territory 00 Remainder of State | Territory 01 New York Orange Ulster Westchester | Territory 02 Bronx Kings Queens Richmond Rockland Sullivan | Territory 03 Nassau Suffolk | Territory 04 Putnam Dutchess Columbia Greene | Territory 05 Erie Niagara | ||
Old Class | New Class | ||||||
1 | 1 | + 3.0 | +13.0 | +17.0 | +18.5 | +16.0 | +15.0 |
2 | 2 | + 0.9 | +10.7 | +14.5 | +16.0 | +13.6 | +12.8 |
3 | 3 | + 2.4 | +12.4 | +16.2 | +17.7 | +15.3 | +14.4 |
4 | 4 | + 3.0 | +13.0 | +17.0 | +18.5 | +16.0 | +15.0 |
5 | 5 | + 3.0 | +13.0 | +17.0 | +18.5 | +16.0 | +15.0 |
5A | 5A | + 3.0 | +13.0 | +17.0 | +18.5 | +16.0 | +15.0 |
6 | 6B** | - 4.1 | +5.2 | +8.7 | +10.2 | +7.9 | +7.1 |
6A | 6A | + 3.0 | +13.0 | +17.0 | +18.5 | +16.0 | +15.0 |
8 | 8 | + 3.0 | +13.0 | +17.0 | +18.5 | +16.0 | +15.0 |
8A | 8A | + 3.0 | +13.0 | +17.0 | +18.5 | +16.0 | +15.0 |
- | 8B** | + 3.8 | +13.8 | +17.7 | +19.3 | +16.8 | +15.9 |
9 | 9 | + 3.0 | +13.0 | +17.0 | +18.5 | +16.0 | +15.0 |
- | 9C** | - 10.6 | -2.0 | +1.3 | +2.7 | +0.6 | -0.2 |
9A | 9D | + 4.2 | +14.3 | +18.2 | +19.8 | +17.3 | +16.5 |
9B | 9E | + 3.0 | +13.0 | +17.0 | +18.5 | +16.0 | +15.0 |
10 | 10** | + 3.0 | +13.0 | +17.0 | +18.5 | +16.0 | +15.0 |
** New Class 6B also includes those anesthesiologists previously included in Class 6A. New Class SB contains diagnostic and therapeutic radiology specialties previously included in Class 9. New Class 9C contains the family/general practice specialties previously included in Class 9. Class 10 now includes hospice medicine and psychiatry specialties previously contained in Class 9 and child psychiatry previously contained in Class 9B.
Year in Claims-Made Program | Claims-Made Factor |
First | 31% |
Second | 64 |
Third | 85 |
Fourth | 94 |
Fifth | 99 |
Sixth | 102 |
Seventh | 104 |
Eighth and later | 105 |
Number of years completed in Claims-Made Program | Tail Factor |
One | 74.8% |
Two | 122.1 |
Three | 146.4 |
Four | 162.4 |
Five | 173.3 |
Six | 181.0 |
Seven | 186.7 |
Eight or more | 190.6 |
The aggregate rate for a claims-made excess policy and its simultaneously issued tail, purchased by a general hospital on behalf of physicians, shall equal the corresponding occurrence
Footnotes
** New Class 6B also includes those anesthesiologists previously included in Class 6A. New Class SB contains diagnostic and therapeutic radiology specialties previously included in Class 9. New Class 9C contains the family/general practice specialties previously included in Class 9. Class 10 now includes hospice medicine and psychiatry specialties previously contained in Class 9 and child psychiatry previously contained in Class 9B.