From the category archives: Insurance Protection Blog

Physician Assistant

Do I really Need to buy Professional Liability Insurance as a Laser Technician, Aesthetician or Electrologist?

In our 25 years of experience working with professionals, I think the best answer to this question is personal responsibility of mind there is nothing more unsettling than persistent sometimes automated aggressive legal counsel making demands and threats that potentially can undermine everything you worked for, including your carefully guarded reputation. Professional liability insurance policy brings with it a team of experts, attorneys, accountants and counselors to come to your defense so that you can continue to work.
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Advanced Practice Providers Need Affordable Professional Liability Policies

The Doctors Insurance Agency and O'Brien Insurance Services has been working with advanced practice providers in both clinical and aesthetic settings for over 25 years.

We wanted to share in this blog some of the common questions we receive from these healthcare providers:
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Physician’s Assistant Liability Insurance Shared or Separate Limits?

 Whether you’re looking to do aesthetic procedures or clinical practice, employed, supervised or independent contractor, you may have to choose between separate or shared limits. The choice will determine the premium that you pay for the protection.  And, since I was just reading that there was $ 44 Million paid out against just Nurse Practitioners in the last five years, the decision of which limits to choose should be addressed. Sharing limits is not free (as some suspect it should be), but rather it is less expensive!  The addition of a shared limit risk (paramedical, allied or other medical professional) extends the risk of the supervising entity or physician, and, thus adds premium to the Named Insured. Limit of Insurance Defined The Limit of Insurance is the amount of coverage, the amount of money that the insurance company will pay on your behalf if you have a claim. Some limits are set up so that the defense of the claim reduces the amount of insurance that ...
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