From the category archives: Insurance Protection Blog

Medical Malpractice

Medical Care Consultants and Advisor Liability Insurance

Some Medical Malpractice Insurance policies only activate, or “trigger,” when the insured clinical provider (M.D., N.P., P.A., or any other professional healthcare provider) is engaged in providing Direct Patient Care, often called DPC in the medical malpractice niche of the insurance industry.


Unless there is a breach of duty owed to the patient (or client) receiving medical care, resulting in a claim or demand for reparations or damages restoring the pained, injured person to whole (or better), then the policy will not respond.


The underwriters or claims representatives will say that they need the action that is insured to happen, which triggers the policy to act.  If no action occurs against the insurable events, then it is not the right policy.

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Pain Management, Physical Medicine and Telemedicine Medical Malpractice Insurance

The Doctors' Insurance Agency provides telemedicine medical professional liability insurance for physicians in all specialties.

Whether you're developing a concierge practice or working to help patients with prescription addictions, chronic pain and disease management, The Doctors’ Insurance Agency, working with The Doctors’ Company, Lloyds’, Admiral, and GenStar (Berkshire, Hathaway), can find liability insurance that is a good fit for your practice.

As Dr. David Feldman, Chief Medical Officer of The Doctors’ Company, wrote recently:

Telemedicine has been part of the standard delivery of care for years, but barriers to getting started kept many practices from offering telemedicine visits.

A confusing patchwork of regulations, lack of electronic healthcare record (EHR) interoperability, and other obstacles found many practices deciding that telemedicine was just more trouble than it was worth.

Now, (and over the last five years, that has been changing;  and, then recently: The COVID-19 pandemic, however, has forced the sudden adoption of telemedicine by many practices and systems accompanied by government and payer emergency measures that make providing virtual care easier.

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Medical Malpractice Telemedicine Liability Insurance

The Doctors Insurance Agency started in 1988 by providing exclusive Medical Malpractice Insurance for solo, small and large groups of physicians. 

Through working hard to develop discounted premium programs with hospitals and medical societies, we gained a clear appreciation of the importance of sustainable and resourceful liability solutions. 

We have worked with malpractice providers to develop special coverage and premiums. We can extend separate limits to 

• Gastroenterology/General and Colonrectal Surgery Groups’ Endoscopy Centers
• Outpatient Surgery Centers Owned/shared by Dermatology and Plastic Surgery Groups; and
• MRI/X-ray, Physical Therapy and Surgery Centers for orthopedic groups

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Medical Malpractice Excess Surplus Lines

The Doctors Insurance Agency provides Medical Malpractice Insurance solutions for physicians, mid-level providers, allied personnel, facilities and health care organizations.  In our 30 plus years of providing these medical professional liability insurance solutions for physicians and facilities, a decreasing number of these fit into the pre-formed, state admitted insurance templates that have defined clinical professional liability for so long.

Health care is evolving, and private equity continues to fuel disruptive solutions that aim to improve society. Health care is becoming more accessible, providers more accountable, and patients less frustrated. That is the overarching goal, and the fact is that health care organizations just don't fit into the pre-stamped admitted markets as often as they used to.

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Orthopedic Surgeons Medical Malpractice Rates Vary Based on a Number of Factors

The Doctors Insurance Agency provides Medical Malpractice Insurance for Orthopedic Surgeons and Surgery Groups.

Orthopedic Surgeons Groups specialize in surgery of the shoulder, knee, hip, ankle, hand, wrist, and spine. Many also include physical therapy, imaging, pain management, and even psychotherapy to assist their patients to return to full mobility and strength.

Medical Malpractice Insurance rates vary based on a number of factors. There are different rates for surgeons that specialize in a particular area, such as shoulders, hips, knees, or hand surgery only, and other rates for consultations only. The rates that apply to your physicians can be discounted by carefully considering protocol and the division of procedures among the surgeons within the group.

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Need For Medical Directors, Research Directors & Investigators

Constant, significant changes in our healthcare delivery system are always creating new opportunities in administrative medicine.  Mergers, acquisitions and private equity are funding health technology and new start-up telehealth business models, as well as supporting clinical trials at unforeseen levels. 

 This activity creates a need for medical directors, research directors & investigators.

The Medical Spa industry is seeing this growth as well, and the field is evolving into a combined concierge, aesthetic and wellness integrative niche.  These integrative aesthetic centers also need medical directors. The American Medical Directors Association projects continued growth, and the requisite need ahead for Medical Directors across the country in all kinds of medical practices.

The Doctors Insurance Agency has provided Medical Director Professional Liability for over 20 years.  There are a number of insurance carriers that we represent who offer this coverage, and it is priced according to services required under your contract.   

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Insuring a Medical Lab is More Affordable Than You Might Think

 Liability Insurance for Medical Laboratories

Insuring a medical lab is more affordable than you might think, and importantly, the policy can be written to include a general endorsement, insuring the lab director whether they are a PhD or a medical doctor.   

Insuring the lab director is only a small part of the liability solution. If you carry a separate lab director policy, you will have to deal with the tail insurance if the lab director cancels or decides to discontinue the contract. It's important that the policy includes in the definitions of insurance coverage for the medical director or lab director. These policies also need to cover non-medical owners executives and non-medical doctor staff working on behalf.

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Healthcare Philosophies, Culture and Protocol are Driving Process and Determining Outcomes.

Health care continues to evolve from the traditional/clinical to holistic, integrative.

Healthcare philosophies, culture and protocol are driving process and determining outcomes.

Structure of organizations are changing;

 Mergers and acquisitions , Vertically integrated health care models with hospitals,  outpatient facilities closely aligned with multi specialty groups, primary care and more creative solutions to try to solve the overarching goal of the affordable care act: 

 ▪︎improving quality

▪︎ increasing access

▪︎ and decreasing the cost of health care. 

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Medical Malpractice Insurance Expenses

Physicians and practice administrators need to prepare for the upcoming increase in Medical Malpractice Insurance premiums - if not immediately, certainly by the next renewal period. 

The market cycles in the malpractice insurance market are defined by competition fueled by available money, low-cost capital, reasonable investment returns, and an extended period of reducing claims frequency. Physicians, hospitals, facilities, and other healthcare providers have enjoyed a little over a decade of reliable and stable yet decreasing malpractice insurance premiums. While the number of claims has been at unprecedented lows, the average payout per claim is increasing and it appears the number of claims is on the rise again. With healthcare consolidating and putting pressure on the carriers to retain the provisions in the insurance policies they already have, it has been a perfect storm of rate predictability and creative retention discounts.

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Integrative Medicine, Injectables, IV Therapy, Age Management and Stem Cell Liability

Medical economics has forced changes in the level of expertise that requires policies to protect more than just the professional reputation of the doctor. All medical malpractice policies start with protecting the medical provider. The Doctor’s Insurance Agency can write policies for many types of practitioners including PhysiciansNurse PractitionersPhysician Assistants, Optometrists, Chiropractors, Podiatrists, and Naturopaths.

In addition to the changes in medical economics, the rise in chronic disease, addiction, and allergies (both to food and environmental allergens) has brought about moving a “wellness” ideology into the mainstream. Experts in wellness emphasize making choices that support a person’s health instead of just addressing problems once they arise. These professionals need the right insurance, and the medical doctors who work with them need protection since the physicians are the ones who tend to carry the load of liability. Despite the wellness experts having their own insurance coverage, the medical doctors, unfortunately, continue to be the biggest targets for plaintiff attachments.

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