Specialized Coverage

Get tailored insurance coverage to meet the specific needs of your practice.

Physician

Large Practices

If you own or manage a large medical practice, medical malpractice and business insurance protection are necessary components to running a successful business.

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Doctor

Individual Physicians

We understand that even as a solo practitioner, you need affordable and quality protection that insurance provides.

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Stethoscope

Small Practices

As a doctor of a small group practice in New Jersey, New York or Pennsylvania — medical malpractice insurance and business insurance protection are necessary components to running a successful small medical business.

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Hospital

Facilities

Hospitals, labs, imaging centers and other healthcare facilities have complex insurance needs.

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Affordable, dependable medical malpractice insurance.

Medical malpractice insurance provides you with support if you are the target of a malpractice claim, and can protect you, your practice and your employees from liability.

The right medical malpractice coverage can be affordable. Our association with select insurance carriers delivers an advantage when comparing coverage. Plus, we obtain additional cost savings for you, including:

  • 75% new-doctor discounts
  • Premium discounts for part-time physicians and moonlighters
  • Risk management, claim-free and scheduled credits
  • Coverage plans without capital contribution or surplus funding requirements

Guidance in choosing the best coverage

Coverage options abound. How do you know what coverage is right for you and your practice?

We are your trusted resource for researching and recommending the very best medical malpractice coverage options for you. We’ll work with you to assess your liability risks and understand your needs. Then we will comparison shop for you, saving you both time and money.

You’ll be glad to know that our fully licensed agents consult with you at no cost regarding policies, claims and risk management.

 

Understanding Coverage

Occurence Policy

This insurance provides protection for insured events that occur during the policy period, regardless of the length of time that passes before the insurance company is notified of the claim.

Prior Acts Insurance

This insurance provides protection if you move your claims-made coverage from one carrier to another, and would like to defer the cost of purchasing tail insurance. This coverage protects you against claims for past insured events that may not appear for several years.

 

Claims-Made Policy

This insurance provides protection for insured events occurring on or after the specified policy’s retroactive date; when the insured events are reported during the policy period. If the retroactive date is the beginning of the policy period, the policy is relatively inexpensive and is called “first-year” claims-made. However, as the number of years from the retroactive date increases, the policy matures and the premiums increase each year using “step factors” until reaching the mature level, which is about five to eight years after the policy’s retroactive date.

Consent-To-Settle Protection

Most professional liability policies include consent-to-settle provisions that define the terms under which a settlement might be agreed upon by the insurer and the physician.

Tail Insurance

This insurance provides protection if you move your claims-made coverage from one carrier to another, or cancel your policy. This coverage protects you against claims for past insured events that may not appear for several years.

Related Articles

We are your trusted resource for researching and recommending the very best medical malpractice insurance coverage options for you or your healthcare facility. Learn more below or visit our blog for more information.

If you want value with professional expertise, you've come to the right place.

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