Services – For Physicians
Medical Liability Insurance
Built for your specialty — not a generic medical policy.
Malpractice exposure isn't the same across specialties. A neurosurgeon, an OB/GYN, and a hospitalist face fundamentally different risk profiles. We place coverage that reflects your actual exposure — your specialty, your practice structure, your state.
Coverage structure
- Occurrence vs. claims-made policies — we help you understand the difference and choose correctly
- Tail coverage (extended reporting endorsements) — critical when changing employers or retiring
- Limits structured for your specialty's actual exposure profile, not generic minimums
- Defense cost coverage inside or outside limits — an often-overlooked distinction
- Consent-to-settle provisions that protect your clinical judgment
- Coverage for telemedicine, moonlighting, and locum tenens work
Practice structures we cover
- Solo and small group private practices
- Hospital-employed physicians needing supplemental coverage
- Academic medicine and teaching physicians
- Physicians with multiple practice settings or employers
- Locum tenens and independent contractors
- Physician-owned ASCs and medical practices
High-risk specialties
Surgical & Procedural
Neurosurgery, orthopedics, OB/GYN, and other high-exposure specialties require carefully structured limits and carrier selection.
Transitioning physicians
Employment Changes
Leaving a practice or hospital system without tail coverage leaves years of prior work exposed. We handle this transition correctly.
Practice owners
Entity-level coverage
Physician-owned practices need both individual provider coverage and entity-level protection structured to work together.