Why do I need my own medical malpractice insurance?

Please see our page entitled 10+ Reasons to Have Your Own Med-Mal lnsurance

What is the difference between "occurrence" coverage and "claims made" coverage?

An occurrence policy responds to a claim which occurs during the policy period, regardless of when those claims are reported. A claims made policy provides coverage for incidents that occur and are reported while the policy is in force.

What is a tail policy?

Tail coverage is supplemental insurance that extends the time you have to report a claim on a claims made policy. You may need a tail if you do not renew your coverage, retire or change to an occurrence policy.

If my work location/employer changes, do I have to cancel my policy?

No. Your individual policy follows you.

If I am employed and then I change jobs and work contract or open my own business, how can I change my policy?

Please make any coverage change requests in writing. You may email, mail or fax us. If you are unsure of any needed changes, please call us at 800-451-8358, so we may assess the change and help you proceed.

I would like to increase/decrease my insurance coverage (limits or hours worked). What do I need to do?

Please email your request to us, so we may determine how best to make your change, including additional or returned premiums.

I would like to cancel my policy. What do I do?

First, please consider carefully the consequences of losing your coverage. If you want to proceed, please send us your request in writing. We will refund any unused premium.

How do I report a claim?

Please see our page entitled Reporting a Claim. You may print it, complete and mail it to us with a copy of the lawsuit. You may also call us at 800-451-8358 with any questions or concerns.

What do I do if I receive a letter from my licensing board?

Please call us at 800-451-8358 for information on how to proceed.

Will having my own insurance make me more likely to be sued?

No, you won't be sued just because you have insurance. The plaintiffs lawyer does not know who is insured until after the suit is filed, answered, and the discovery phase is in effect. We cannot tell anyone about your insurance without your written consent. So it is not about insurance, it's about responsibility.