(Doctors’ Insurance Professional Liability)
Medical Sub-fields Recommended To Have Doctor Insurance
- Allergy and Immunology
- Diagnostic Radiology
- Emergency Medicine
- Family Medicine
- Internal Medicine
- Medical Genetics
- Nuclear Medicine
- Obstetrics and Gynecology
- Physical Medicine and Rehabilitation
- Preventitive Medicine
- Radiation Oncology
Essential Questions to Consider
- Does your state require doctors to have insurance?
- If not, do they have other requirements?
- Does your hospital require doctors to have insurance? Visiting doctors may need doctor insurance.
- How much does your employer’s coverage cover?
- What are the consequences of making a mistake in your sub-field?
- Are you liable for the actions of others in your hospital?
Liability Limit per Occurance
This is coverage for each claim/incident in a policy period.
Liability Limit in Aggregate
This is the total amount of coverage that your policy will payout within a given year.
Each claim will be subject to a deductible. This means you will spend money when a claim occurs before the insurance company will pay for the incident.
Many insurance plans are commonly bundled together for simplicity and a cheaper rate.
Business owner’s policy (BOP)
A popular option for small businesses like clothing boutiques that combines Commercial General Liability insurance with Commercial Property insurance, usually at a cheaper price than if the two were purchased separately.
Frequently Asked Questions
Do we insure people with many claims?
Yes! We have select carriers for people who have many claims or a bad record.
What payment methods do we accept?
Payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.
How can I file a claim?
We strongly recommend calling us before the insurance carrier directly about a claim. You may not want to file a claim depending on your insurance plan. However, we will assist you in filling a claim the best way to make sure you take the least amount of damage possible to your insurance score. After talking with us, you can call the insurance carrier or let us call them for you.
If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email.