By Brad O'Brien
May 10, 2018

Are You Looking for The Right Insurance for your Aesthetic Spa?

Professional Liability Insurance for Spa, Injectables and Laser

When you've been looking online and asking friends for the perfect answer :
affordable, comprehensive appropriate insurance for your injectable, aesthetic skin and laser – your spa business.

You want to find the right insurance with a stable insurance carrier and you have finally done so!…only to be asked to sign the bold disclosure form indicating that the company with which their insurance is place is not licensed by the state of California.

What is up with these ‘disclosure forms’ that you’re asked to sign in order to buy your liability insurance to insure your laser, injectable spa business:??

Question: There is a disclosure that this Insurance company is not licensed in California and therefore if I get this policy I don't have the protection of the Insurance Guarantee Funds created by California Law, which for many reasons I obviously would like to have!!??
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By Brad O'Brien
May 09, 2018

Are you a Nurse Practitioner Looking for Coverage for your Supervising Physician?

Many Nurse Practitioners need to add coverage for their supervising physician. Adding coverage for a supervising physician could be very expensive (about $3K for 10 hours or less per week) and that’s why we recommend applying for Medical Clinic Liability Insurance coverage for some of our clients.

We have relationships with competitive markets for Medical Clinics. These Medical Clinic Liability Insurance policies can provide coverage for medical doctors, mid-level providers, nurse practitioners, medical assistants and anyone else you employ or contract with to provide these services.
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By Brad O'Brien
May 08, 2018

How to Structure a Telemedicine Insurance Policy?

The right kind of Telemedicine Insurance Policy can make or break your start up telemedicine practice. Well maybe the right telemedicine policy will actually not break your telemedicine start up. But certainly can help you on board physicians, control costs , recruit, retain and manage financial risk over the long term of your practice.
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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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