By Brad O'Brien
May 01, 2018

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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By Brad O'Brien
April 24, 2018

Can I insure my Expanding Wellness Center to Cover Nutritional Counseling via Telemedicine?

Do I need to cover my Independent Contractors?

I'm a Chiropractor , I have my own insurance, I just need you to cover everyone else..? We've started doing Injectables off sight to expand the business, how can I cover my Aesthetician for doing Botox Injections or IV Hydration therapy at businesses, parties, association meetings? My Medical Director is going to prescribe medicine and lifestyle counseling to men suffering from Erectile Dysfunction or Age Related Hormone related issues.

These are the questions that are becoming more frequent and the problems that The Doctors Insurance Agency in Northern California can solve (with our national healthcare liability insurance brokerage network).
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By Brad O'Brien
April 12, 2018

What Drives Premium in Medical Malpractice Insurance? Claims!

Internal Medicine Physician Medical Malpractice Insurance (The Doctors’ Insurance Agency) Midlevel Providers’ Malpractice Insurance.The Doctors Insurance Agency represents more Internal Medicine Physicians and Nurse Practitioners than any other specialty:

Working with The Doctors’ Company, we have learned a lot about which specialties (and midlevel providers) are sued the most frequently. All of our information comes from the Insurance Journal and, The Doctors’ Company closed claims studies:
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By Brad O'Brien
April 06, 2018

Professional and General Liability for Surgery Centers Medical Malpractice

Surgery Centers will occasionally make the mistake of thinking that they only need to obtain one category of insurance. Commercial, property and general liability insurance. It is important to purchase both General Liability AND Professional Liability Insurance.
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By Brad O'Brien
April 03, 2018

How Much is Medical Expert Witness Liability Insurance?

According to The Expert Institute, an online news source, expert witnesses play a critical role in the judicial process. The testimony of these professionals can swing juries, educate judges on complex technical subjects, and ultimately win lawsuits. And for many clinicians, physicians and surgeons looking for a new challenge, travel and supplemental income opportunities, expert witness opportunities are available and growing.

This work is for individuals with advanced expertise in any discipline – from Allergists to Therapeutic Radiology; from Orthopedists to Neurosurgeons– the diversity of civil litigation means that there is a consistent demand for experts.

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By Brad O'Brien
March 30, 2018

Does My Policy Include Tail ?

One of the most common questions we receive at The Doctors Insurance Agency (a national healthcare liability insurance agency and brokerage) is: does my policy include tail ?

The reality is most medical professional liability insurance policies don't include tail; as many physicians know there are two types of Professional Liability Insurance policies for doctors: Occurrence and Claims Made

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By Brad O'Brien
March 02, 2018

Doctors and or Nurses Doing Injectables and thier Professional Liability Insurance

We are often asked what the professional liability insurance policy that is issued covers (after a review of the injectable services application)

The applications that are reviewed prior to issuing these policies are completed by our doctors, nurses, physician assistants, registered nurses and aestheticians. They are all protected for these specific services as outlined :

Essentially the question is: how do I know that I’ve purchased the right professional liability policy to protect me for performing aesthetic injectable (Kybella, Sculptra, Restylane, Botox) The answer is that these underwriters specialize in this class of risk:
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By Brad O'Brien
February 01, 2018

Selecting a Physician Medical Professional Liability Insurance Carrier

Doctors have many possible choices when choosing a professional liability insurance company.

• Physician owned insurance carriers and….
• commercial carriers owned by stockholders.
• Large industrial medical groups (some affiliated with universities, others connected to medical foundations) are self-insured.
• There are syndicates and trusts and risk retention groups formed to provide solutions for physicians not eligible for the standard market, or simply looking to pay the least possible amount.
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By Brad O'Brien
January 19, 2018

Medical Director Jobs Are Growing!

The Doctors Insurance Agency specializes in helping you obtain affordable, complete insurance protection as an independent medical director. I recently pulled a description of a medical director job posting (this from the JAMA website) (American Medical Association Affiliate)

Medical Director Job responsibilities (for which you will likely need a medical director liability insurance policy):
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By Brad O'Brien
December 12, 2017

Functional Medicine Malpractice Insurance


If you are practicing preventive healthcare, anti-aging hydration, nutritional therapy, IV therapy, hormone replacement and/or chelation therapy, The Doctors Insurance Agency and our creative insurance partners like Beasley, Lloyd's of London, and Admiral Insurance Group would like to help you find the right coverage.

The Physician Insurance Association of America (PIAA) is made up of insurance companies that are financially strong and experienced in the careful discipline of underwriting medical malpractice policies. The Doctors Insurance Agency works with doctors in every medical specialty to find competitively priced, discounted premiums supported through risk management efforts, claims free experience and affiliations with quality medical centers and hospitals

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