N.D. Cent. Code § 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.