Find the right premium to protect Family General Practitioners

In order to help our society to get well and to be treated, we are going to have to figure our how to provide the insurance to integrate conventional medicine, family practitioners, with newer forms of disciplines, acupuncture, chiropractors, aestheticians. Primary Care Providers will regularly work with psychological counselors, naturopathic and osteopathic physicians and practitioners. We are going to have to work with Allied Health Care Providers, blending in eastern and western philosophies and methods in order to deliver healthcare and wellness to our growing population.

Family Practitioners have, in many cases been ahead of the curve in joining Acupuncturists, Naturopaths, Chiropractors and Paramedical staff in order to bring more services and remedies. In our insurance agency in Novato, California, we already provide insurance for wellness centers, clinics, imaging centers and medispas. Our insurance Agents work to find methods of discounting our already low medical malpractice insurance rates, combined with the right specialty program in order to insure the practice for less than one conventional medical malpractice insurance company. There are ways to apply a low rate which corresponds with the actual services and emphasis on their practice, rather than applying the ‘spreadsheet category’ for family practice.

The important challenge, then from the stand point of a medical malpractice insurance company, or a medical malpractice insurance agent is to continue learning. If you know about the various medical specialties and allied disciplines, then you can find a malpractice insurance policy to fit. We have many markets, national insurance carriers to work well with our largest choice, The Doctors’ company, which is the largest medical malpractice insurance company in the country to help our family physicians find insurance.

We've been working with all of the medical specialties for so many years. For twenty four years, we have worked to implement discounts for risk management activities, discounts and premium credits to reward the hard working leaders within hospitals, quality assurance participation, credentialing at quality hospitals and/or participation in Health Care. Presently and continuing into the future, there is going to be an increasingly high demand for Family General Practitioners; as these family medicine general practice physicians today comprise one of the largest specialties in the medical industry. As the initial point of contact for patients requiring medical care. Family Practice doctors evaluate many medical related conditions. Like Ob/Gyn’s, Cardiologists, Pediatricians, or any physician with frequent interaction with the family, with their patients, they become part physician, part counselor, part teacher and many times, the trusted advisor. The insurance program that is used to underwrite and provide this insurance for Family Practitioners should be as flexible as they are in their practices. The Doctors’ Insurance Agency works primarily with The Doctors’ Company for medical malpractice insurance, and in many situations, we can refer the physician or allied risk to a company with an appropriate rating strategy and category.

Recently, a family practitioner became tired of treating so many ‘already sick’ people; this charismatic practitioner was determined to integrate holistic care into his practice, we helped him present his practice in a way that allowed The Doctors’ Company to continue writing his insurance, and our agency found him solutions for his other practitioners. Now, this family practitioner is growing a thriving healthy practice and is seeing people stay healthy as a result of some of these Eastern Philosophies and Practitioners. From the many subcategories from colds and flu all the way to bone fractures. In general family practice physicians establish long-term relationships with their patients. Our medical malpractice insurance for Family General Practice Practitioners program provides coverage for all facets of family practice medicine.

It is imperative that each physician have his or her own medical malpractice insurance policy. While it is a temptation for physicians to assume they are sheltered under their employer's medical malpractice insurance, this can be inaccurate. Regardless having enough comprehensive medical malpractice insurance is the sole means of protecting you and your practice from possible financial ruin should you be named in a claim.

Many family general practitioners work within a group practice or in a hospital setting, but also treat patients or give advice after hours. Medical malpractice insurance for family general practitioners provided by an employer in most cases will not provide coverage for doctors working outside of these working hours. similar to the Physicians’ Assistants working as Independent Contractors, we have to find each physician a separate policy that does not piggy back on an unrelated physician’s policy.

Each physician is accountable for their individual negligence, even if they are covered by a group, the physician can still be held responsible for any negligence or neglect resulting from his or her own individual actions. The physician also may be forced to pay damages to his or her employer if the employer's medical malpractice insurance pays out on a claim. Or the employer may try to dissociate the case against the physician from the claim against their practice, thereby forcing the physician to defend themselves separately through their own medical malpractice insurance.