By Brad O'Brien
May 23, 2018

Are you Starting a Small Teledentistry Company?

Teledentistry (Invisalign) Professional Liability Insurance

The Doctor’s Insurance Agency provides Medical Malpractice Professional Liability Insurance for Teledentistry Groups. While we treat each telemedicine practice as a custom risk, in the end, they all seem to be rated in a ‘pure risk’ fashion. Which is to say: the group projects the number of ‘consults’ or ‘reads’ and the premium is developed as a function of that regardless of the number of providers required to read or complete the contractual commitments of the Telemedicine group.
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By Brad O'Brien
May 16, 2018

How a Surgery Center Insurance Policy is Rated?

Surgery Center Professional Liability Insurance policies are very flexible. For stand-alone surgery centers, we often recommend policies that base premium on the number of scheduled procedures vs. pricing by the number of providers. These type of policies are often referred to auditable policies as the premium is calculated based on the actual number of procedures performed during the policy period and requires the insured to track and submit this number at the end of the policy year.
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By Brad O'Brien
May 14, 2018

Are You Providing Noninvasive Skin Solutions?

We recently helped to find coverage for two Aestheticians performing noninvasive skin solutions.

The scope of work they were seeking for coverage only required an esthetician license. They did not need to have a medical director physician as a supervisor and do not perform laser, invasive treatments, injectables and peels. But they wanted to ‘upgrade’ their staff from Aestheticians to RN’s and their current policy allows for coverage for up to 4 estheticians but does not cover RNs, only estheticians.

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By Brad O'Brien
May 11, 2018

Are You Providing Sculptra Injection Treatments?

The Doctors Insurance Agency works with well-known carriers to find the best coverage for our MediSpa/Aesthetic, Injectable, Laser, and Wellness Centers.

We insure many Aestheticians providing Injectable Advanced Services. Sculptra Injections are a form of Injectable Advanced Services and coverage may be difficult to find for any injections other than the face. Sculptra is an FDA-approved injectable that is designed to fill wrinkles and reduce hollow, sunken cheeks. The treatment increases your body’s natural production of collagen, which is key for tightening skin. The effect of Sculptra will increase over time.
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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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