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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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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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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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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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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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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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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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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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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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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