By Brad O'Brien
August 28, 2018

Starting the Process of Medical Malpractice Insurance for Telemedicine Doctors, Midlevels and Organizations

Where do you  start to apply for and obtain medical malpractice insurance if you are going to practice telemedicine.

Start by listing the Telemedicine Organization address and describe your niche, describe the medical service that your innovation is bringing.
The underwriters need some ‘data points’ to assign a premium to your telemedicine organization.
The organization is the Named Insured, or as I like to call it, the anchor of the medical malpractice insurance policy;  From this ‘center’ of the policy, the insurance carriers build, sort of from the inside out:  they consider the total number of telehealth consultations provided by your physicians and mid levels,
the type of medical service,  the location of the physician and the location of the patient and the annual revenue

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By Brad O'Brien
June 26, 2018

Nurse Practitioners opening their own Aesthetic Medical Practice or Medical Spa

More and more nurse practitioners are opening practices catering to cosmetic procedures. Dependent on the state, nurse practitioners can start their entrepreneurial business independently, without requirements for supervision by a Medical doctor while others mandate that a physician is involved in the practice on a supervisory/collaboration basis or even ownership basis. If you are considering an independent practice, be sure to check with your state nursing board prior to spending money on an injectable education and practice. States vary as to who can start a practice with/or employ a physician or even other nurses or aestheticians. You must also investigate whether your employees that are providing cosmetic procedures will require supervision. Again this varies state by state.
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By Brad O'Brien
June 21, 2018

Do I really Need to buy Professional Liability Insurance as a Laser Technician, Aesthetician or Electrologist?

In our 25 years of experience working with professionals, I think the best answer to this question is personal responsibility of mind there is nothing more unsettling than persistent sometimes automated aggressive legal counsel making demands and threats that potentially can undermine everything you worked for, including your carefully guarded reputation. Professional liability insurance policy brings with it a team of experts, attorneys, accountants and counselors to come to your defense so that you can continue to work.
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By Brad O'Brien
June 01, 2018

Is My Tail Covered When I join a Telemedicine Organization?

This is one of the most commonly asked questions of by our Telemedicine Specialists. Understandably so…because….One of the most important costs to contain as you develop and implement your telemedicine organization is the mandatory (and sometimes prohibitively high) cost of medical professional liability insurance. And, one of the most common obstacles in the way of recruiting new physicians to the organization is the concerns about covering their Tail.
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By Brad O'Brien
May 29, 2018

When a Claim Came Against The Medical Director?

Medical Malpractice Insurance for Standard Clinicians and Surgeons

The Doctors Insurance Agency provides standard medical malpractice insurance policies for physicians with relatively clean claims history practicing in accordance with the American Board of medical specialties: that is to say The Doctors Insurance Agency (working with The Doctors’ Company) provides Medical Professional Liability Insurance for physicians’ clinical and / or surgical practice.
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By Brad O'Brien
May 25, 2018

Visiting Residents/Intern/ Fellow (Hands On) Medical Malpractice Insurance

Visiting Residents/Intern/ Fellow (Hands On) Medical Malpractice Insurance.

You may not have started your career in healthcare yet, but that doesn’t mean you’re not at risk of being named in a malpractice suit – mistakes made while doing clinical work while in school can still get you sued. Protect your future career and your present-day finances by investing in affordable Residents' Intern/ Fellow (Hands On) Medical Malpractice Insurance.
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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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