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 commonly called E&S insurance, surplus lines insurance or non-admitted insurance. Despite the terminology, it is not automatically inferior or illegitimate coverage. The E&S market exists to insure…
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 underwriting guidelines. It does not necessarily mean that every insurance company will reach the same conclusion. Depending on your specialty, claims history and circumstances, coverage may still…
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 on the number, severity and recency of the claims, some standard carriers may decline to quote or renew the policy. That is a different problem—and often a…
If you’re a physician with a claim, a settlement, or a board action on your record, you already know the hard part: the carrier that covered you for years suddenly won’t renew, and the online quote engines that promise coverage in minutes go quiet the moment you check the “prior claims” box. That doesn’t mean…