Island Insurance Group Insights

Insurance intelligence for physicians, healthcare leaders, and business owners.

Explore practical guidance about medical malpractice, patient communication, artificial intelligence, HIPAA, cyber risk, practice growth, commercial insurance, and the decisions that can protect a career or business.

Featured physician insights

These articles address the communication, technology, business, and liability issues that increasingly affect physicians and healthcare organizations.

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Going Bare in Florida: The Real Risks of Practicing Without Malpractice Insurance
Medical Malpractice Insurance

Going Bare in Florida: The Real Risks of Practicing Without Malpractice Insurance

Florida law permits qualifying physicians to practice without traditional medical malpractice insurance, but doing so can leave the physician personally responsible for defending claims and satisfying judgments. Physicians...
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Your Medical Practice Was Hacked—Now the HIPAA Clock Is Ticking
Medical Practice Insurance or Cyber Liability

Your Medical Practice Was Hacked—Now the HIPAA Clock Is Ticking

The attack may be over, but the legal and regulatory response is just beginning. Your medical practice has regained access to its systems. The electronic health record is...
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A Hacker Can Hold Your Patient Records Hostage—And Your Florida Practice May Not Be Fully Covered
Medical Practice Insurance or Cyber Liability

A Hacker Can Hold Your Patient Records Hostage—And Your Florida Practice May Not Be Fully Covered

It is 7:42 on a Monday morning. The front-desk team at a Florida medical practice is preparing for the first appointments of the day when every workstation displays...
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Same Doctor, Different Price: What Florida Physicians Really Pay for Malpractice Insurance
Business Insurance

Same Doctor, Different Price: What Florida Physicians Really Pay for Malpractice Insurance

Same Doctor, Different Price: What Physicians Really Pay for Malpractice Insurance in Florida Two Florida physicians can practice the same specialty, carry the same policy limits, and still...
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How to Get Your Loss Runs (and Why Every Malpractice Submission Needs Them)
Medical Practices Insurance

How to Get Your Loss Runs (and Why Every Malpractice Submission Needs Them)

If you are shopping for medical malpractice insurance—especially after a claim, non-renewal, or premium increase—one of the first documents an underwriter will request is your loss-run report. Not...
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Going Bare in Florida: The Real Risks of Practicing Without Malpractice Insurance
Medicare Insurance

Going Bare in Florida: The Real Risks of Practicing Without Malpractice Insurance

Many patients assume every Florida physician carries medical malpractice insurance. That assumption is not always correct. Florida permits physicians to practice without a traditional malpractice insurance policy under...
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Tail Coverage—Cost and When It Is Needed
Business Insurance

Tail Coverage—Cost and When It Is Needed

Medical malpractice tail coverage can cost as much as a full annual premium—and sometimes substantially more. Many physicians do not discover this expense until they are changing jobs,...
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Excess & Surplus Lines Malpractice Insurance
Business Insurance

Excess & Surplus Lines Malpractice Insurance

Excess and surplus lines malpractice insurance provides an alternative when a physician, healthcare professional or medical organization does not fit the standard insurance market’s underwriting guidelines. It is...
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Can You Get Malpractice Insurance After a Board Complaint or Disciplinary Action?
Business Insurance

Can You Get Malpractice Insurance After a Board Complaint or Disciplinary Action?

A medical board complaint or disciplinary action can complicate malpractice insurance, but it does not automatically make coverage unavailable. Insurance underwriters do not treat every board matter the...
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Non-Renewed on Your Malpractice Policy? What to Do Before Coverage Lapses
Business Insurance

Non-Renewed on Your Malpractice Policy? What to Do Before Coverage Lapses

A medical malpractice insurance nonrenewal is urgent, but it is not the same as becoming uninsurable. A nonrenewal means your insurer has decided not to continue the policy...
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Denied Malpractice Insurance? What to Do Next
Business Insurance

Denied Malpractice Insurance? What to Do Next

Being declined for medical malpractice insurance can feel like a verdict. It is not. A denial generally means that your risk does not fit a particular carrier’s current...
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Can You Get Malpractice Insurance After a Claim? Yes—Here’s How
Business Insurance

Can You Get Malpractice Insurance After a Claim? Yes—Here’s How

The short answer is yes. A paid claim, settlement or open lawsuit does not automatically make a physician uninsurable. It does change how carriers evaluate the risk. Depending...
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