From the category archives: Insurance Protection Blog

Diagnostic Laboratories

Insuring unusual Medical Practices

How to insure the unique Physician practice profile When the practice profile is unique, or just doesn’t fit the usual, customary and conventional, Like a medical spa or a family physician who runs an urgent care center, acts as a medical director for a local fire department and sees patients in nursing homes, the insurance niche that handles this is called surplus lines. What is Excess and Surplus Lines and how does it impact Allied Health Providers and Mid Levels Physicians, Midwives and other health care providers are often forced to find insurance at higher rates, or just do not find the right fit. With the continued presence and development of the surplus lines markets, these healthcare providers are newly finding that they can access a Medical Malpractice Insurance market that previously had been available only to very large groups and to practitioners who could not find coverage. The spa procedures, utilization review, administrative duties or other procedures that are considered new a ...
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Pathology Liability Insurance and The Doctors' Company Risk Management Advice.

Insuring Pathology Laboratories is a very specific task; The liability that rises to (or attaches to the Lab) is very different than the liability that follows the physician.There are occasions where the lab is insured along with the entity of the Pathology Group (which is to say, the “City” Pathology Medical  Group, Inc. always has a separate limit covering IT separate from the M.D.’s, and there are requests to include the Lab liability (with all of the Techs and specific licensed employees in that Lab in the one limit. So, for example, there are five M.D.’s in the group performing the professional component services for the Lab and/or the Path group, the group is incorporated (i.e. like the ‘City Path Group, Inc”) referenced above, and, they have a Licensed CLIA approved Lab with employees and contracts to read specimens submitted from outside and within the state. Separate and Distinct Limit covering the Lab. It is my opinion and the opinion of The Doctors’ Company that the Lab should hav ...
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