Medical Professional Liability Insurance Premiums are Rising

 The Doctors Insurance Agency specializes in providing medical malpractice insurance for physicians groups and facilities.

 Internal medicine and its subspecialties have historically had some of the most competitive premiums in the United States.

The Doctors Insurance Agency has developed an understanding of which carriers are financially strong and committed in each of these specialties, so that we can provide physicians and groups with the best options. Understanding these specialties can help physician owners, shareholders and partners in these medical groups properly structure their liability contract and save thousands in premium costs. 

For example, gastroenterologists frequently work in association with freestanding Surgery Centers and Endoscopy Centers.

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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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COVID-19 Pandemic has put Telehealth as an Important Solution for Delivering Needed Care

The Doctors Insurance Agency provides Telemedicine Malpractice Insurance.

Before telemedicine really took off in the light of national and statewide shelter-in-place orders, it was already growing exponentially.

In a recent study that examined health care payer claims between 2005 and 2017, health insurance members made almost 385,000 telemedicine visits, and usage climbed from a minuscule 0.02 visits per 1,000 members in 2005 to 6.57 visits in 2017.

Now the COVID-19 pandemic has put telehealth in the spotlight as an important solution for delivering needed care outside of a hospital or doctor's office.

Effective telemedicine relies on effective and successful technology, medical devices and professional diagnosis.  Therefore, telemedical malpractice policies must cover the physicians and the organization against claims in the event of technology or professional failure. Additionally, the policies must contain network security and cyber data liability limits.

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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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Important Loans for Small Businesses

Paul Finch, MBA

Strategic Financial Advisor at Benchmark Solutions, Inc. Corporate Finance + Management Accounting Professional Advises some of our healthcare providers and facilities; He is available and expert in fast tracking and understanding the important sba loan offer (and expanded programs recently passed in congress). 

This is an important time to try everything to help us all comply with shelter in place commitments.

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COVID-19 Updates and Resources for Healthcare Professionals

Like all of you, The Doctors Insurance Agency is reacting to this unprecedented time; Whether you’ve closed voluntarily or by order of your city or specialty board or whether you’re taking on more work and patients out of response to this crisis, we are here to answer your questions and support you in any way we can.  There is no disruption to our service and we are fully operational to respond to your inquiries and service needs.

Please contact your individual agent via email or to Info@doctorsagency.com.  We are also available by phone at 1-800-553-9293.

Wishing you all good health! 

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