Physician Insurance

Connect with brokers who specialize in physician insurance.

As a medical provider, you’re vulnerable to lawsuits from the moment you start practicing, so it’s essential to have excellent liability coverage with a carrier you trust. We build relationships with top carriers and secure physician insurance policies that protect you in the event of a claim. Your carrier will always be highly rated for financial strength, longevity, and reliability.

Choose medical professional liability insurance that’s tailored to you.

Your physician insurance centers on medical professional liability, commonly known as medical malpractice. The purpose of this insurance is to defend you against claims and, if necessary, pay out settlements. There are two basic policy types: claims-made and occurrence. Each policy type has different advantages and disadvantages when it comes to cost, limits, and mobility.

Navigate the differences between claims-made and occurrence policies

The main difference between the two types of policies is the coverage period used for claims. Under a claims-made policy, a claim made in 2020 and based on services provided in 2010 would be covered under the 2020 policy. Under an occurrence policy, that same claim would be covered under the 2010 policy. This matters for policy holders because the timing of the claim affects whether the alleged incident is covered.

How do you know which policy is right for you? To help you decide, we consider your history of claims, liability exposure, location, specialty, and even your unique circumstances. If you think you’ll take parental leave or move out of state, an occurrence policy makes this easy. In these same scenarios, a claims-made policy may require you to buy tail coverage or secure prior acts coverage. We know that details like this matter, so we recommend policy features and provisions that support your livelihood and lifestyle, now and in the future.

Insist on a consent-to-settle clause to safeguard your reputation

Your policy details are just as important to us as the big picture. We consider every angle of your practice and work hard to tailor our methods:

• Analyze coverage strengths, weakness, and gaps
• Secure the appropriate limits for your specific situation
• Back up our recommendations with claims and risk expertise
• Unpack the complexity of prior acts versus tail coverage
• Ensure carriers cover defense costs and vicarious liability
• Insist on a consent-to-settle clause to safeguard your reputation