§ 26.1-14-12 — Terms of coverage - Classifications

1. The terms and conditions of all policies issued by the company to physicians must be
essentially uniform in terms and coverage.

2. Notwithstanding subsection 1, the company may prescribe reasonable classifications
of physicians' and insureds' activities and exposures based on good-faith
determination of relative exposures and hazards among classifications and may vary
the limits, coverages, exclusions, conditions, and loss-sharing provisions among
classifications. Additionally, the company may describe, in the case of an individual
physician within a class, reasonable variations in the terms of coverage including
deductibles in loss-sharing provisions, based upon the insured's prior loss experience
and current professional training and capability.