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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By Brad O'Brien
October 27, 2017

Medical Expert Witnesses Can Be Sued for Negligence in the Preparation of Their Testimony

Medical Expert Witness Liability Insurance (Errors and Omissions coverage)

Medical Expert and Witnesses can be sued for negligence in the preparation of their testimony. Should a client, or more likely an attorney who previously hired you and lost their case, allege that you were professionally negligent by failing to perform professional duties as promised in your contract as an expert, this is the coverage you will need. Generally, this coverage is separate from your Clinical Medical Malpractice Insurance.

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By Brad O'Brien
October 24, 2017

Physicians Who Return From Retirement Within Two Years Are Allowed to Reinstate Their Old Policy

The Doctors Insurance Agency has been providing Medical Professional Liability Insurance for Physicians, Mid-level Providers and Allied Healthcare Providers for decades. We are devoted to our members so they can count on us to be specialists at protecting their practice.

One of our doctors, a Family General Practitioner is considering returning from retirement. Physicians who return from retirement within (normally two years) are allowed to reinstate their old policy with The Doctors Company. The ‘retirement’ period would now be viewed as a suspension of coverage period. Upon return the Tail Insurance is rescinded and their retroactive date is reinstated.
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By Brad O'Brien
October 10, 2017

Clinical Research Liability Insurance


The Doctors Insurance Agency has been providing Clinical Trial Medical Malpractice Insurance for clinical principal investigators and sub investigators for over 15 years.

As investments have flowed into clinical research, the FDA continues to work hard to fast track some drugs to market. The need for clinical research organization liability insurance, site management organization liability insurance, sponsor liability insurance and principal investigator liability insurance has grown concurrently.

Many of our medical malpractice insurance policies already include an endorsement to protect our doctors who work with clinical research sponsors and organizations. Specialists ranging from psychiatry to internal medicine are involved in behavioral health research and are very likely to have coverage via your medical malpractice policy. It is important to work with an agent or underwriter that understands your policy and that can explain this to the organizations doing the research.
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By Brad O'Brien
August 11, 2017

Telemedicine and Medical Malpractice Insurance

The Doctors Insurance Agency is providing Health Care Providers and facilities with affordable, appropriately priced medical malpractice insurance.Again this week I learned as I continued this immersion into providing Medical Professional Liability Insurance for physicians, mid-level providers and allied healthcare providers that affordability is key in these early years - starting up a telehealth practice. You can't spend every available earned reimbursement paying your malpractice provider.

Start up telemedicine organizations are watching every dollar (as any entrepreneurial business). They are working hard to promote their business, reinvesting hard earned dollars in digital and paper marketing, traveling in buses and trains to attend shows, conventions and scientific meetings; often working in the margins of the day to provide the service that they are working so hard to promote.

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By Brad O'Brien
July 12, 2017

Hospitalists? What Are Those?

In 2002, The Doctors Insurance Agency wrote our first hospitalist professional liability policy. This was a group of four internal medicine doctors working in the central Valley. What drove them to look for a separate policy is that they did not want their hospitalist work to impact their current medical practice, they wanted their claims history to be recorded and kept separate from their clinical practice. In part they did this out of caution, they were not sure this idea was going to work; and like many insurance carriers at the time, they were fearing that this concept might actually invite litigation and complaints.

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By Brad O'Brien
June 08, 2017

Job Description: Medical Director

Job description: Medical Director
By Madeline Hyden

The role physicians play in the nonclinical setting is becoming more complex as the medical practice landscape evolves.
MGMA compiled lists of job functions, duties and responsibilities, and compensation considerations to help physicians put together medical director’s job description.

Main functions of a Medical Director:

• Holds the senior medical administrative position in a medical group practice
• Responsible for a number of activities related to the delivery of medical care and clinical services such as cost management, utilization review, quality assurance, and medical protocol development
• Oversees the activities of group physicians, including the recruiting and credentialing processes
• Reports to the physician CEO/president and/or to the governing body of the organization
All of these administrative services are covered under the most basic medical director policy and it is important to find a policy that can travel with you. In other words, one policy can cover multiple contracts.
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