From the category archives: Insurance Protection Blog

Medical Malpractice

Physicians ask if their Medical Malpractice Policy will Cover them for Independent Medical Evaluations

Independent Medical Evaluation Liability Insurance 

Many physicians ask if their Medical Malpractice Insurance Policy will cover them for independent medical evaluations. As in most situations involving coverage issues the answer is it depends. The important steps to take are to run it by your broker agent or underwriter. 

The ‘Opinion or Consultation Claims’ 

Many professionals are asked to review files and offer their evaluation, opinion or consultation on medical treatment and protocol. These kinds of claims are not contemplated by medical malpractice policies, so these kinds of claims are often denied.

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More Nurse Estheticians are Making The Commitment to Open Their Own MediSpa

With training consisting of hours of supervision and specialized techniques, nurse estheticians are licensed to remove wrinkles, hair and varicose veins, enhance lip size, and perform sclerotherapy and many other applications and procedures all by injection. Many times, nurse estheticians make the commitment to open their own medi spa, and if that’s you then we can help you to insure yourself alone. This, of course, requires a Medical Spa Professional Liability policy that is more inclusive, and the cost and process can be simple.

Contracting and expanding with you, the policies are designed and priced to respond to only the procedures you are performing, which are represented on your annual application. Insuring medispa’s  owned by physicians, advanced practice providers and nurse estheticians, the Doctors Insurance Agency has worked in this niche for 20 years and will partner with you as you grow to take on more technicians and techniques and utilize innovative products and procedures. 

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In the Coronavirus era, the Importance of Combining Remote Telehealth with Physical Presence

When Hospitalist Medicine was first introduced around the early nineties, medical malpractice companies were unsure of how to underwrite, rate and manage the risk.

Over time, by taking chances and using internal medicine rating equivalents, the specialty proved that quality of care was improving and claims were not presenting at the rate anticipated.

Hospital administrators, surgeons in the community, and primary care groups all began to partner with the specialty. The elusive goals of increasing access to care, improving quality and decreasing cost seemed to be achievable, at least in theory. One of the challenges for hospitalist groups was determining how to sustain their business model and how to provide Medical Malpractice Insurance.

This staffing responsibility more closely, if not exactly, resembled emergency medical groups. These groups are committed to providing a medical doctor trained in hospitalist medicine to be physically present at all times at these facilities.

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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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