Florida physicians accepting locum tenens or moonlighting work should verify malpractice coverage for the specific assignment before treating patients. Ask who insures you, which duties are covered, what limits apply, and how claims reported after the assignment ends will be handled. “Malpractice included” is a starting point for a conversation. Request the documents that explain…
Medical malpractice insurance in Florida can cost a physician anywhere from several thousand dollars to more than $100,000 per year. There is no meaningful statewide price that applies to every doctor. A psychiatrist with no procedures, an internal-medicine physician, an emergency-room doctor and an OB/GYN performing deliveries represent substantially different risks. Even two physicians in…
“How much medical malpractice insurance do I need?” sounds like a simple question. It is not. The appropriate limit can depend on your specialty, hospital privileges, contracts, practice structure, procedures, claim severity and whether defense expenses reduce the amount available to resolve a claim. Two physicians practicing in the same South Florida city may need…
Your OB/GYN malpractice premium increased after a claim—but that does not necessarily mean the carrier decided you committed negligence. Medical professional liability underwriting and legal liability are different processes. A carrier may change pricing because a claim was reported, an open reserve increased, new information emerged, the practice changed, or the carrier changed how it…
A malpractice insurance non-renewal can feel like a verdict on your entire medical career. It is not. For a Florida pain management physician, a carrier’s decision may reflect its changing appetite, claims experience, procedure restrictions, controlled-substance concerns, or a combination of factors. The decision is serious, but it does not automatically mean that every market…