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How Do I Get Malpractice Insurance Coverage?

How Do I Get Malpractice Insurance Coverage?

Professional liability insurance

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Do you know that medical malpractice insurance is a requirement for health professionals in the United States; otherwise they don’t have the right to see patients? Nowadays, any doctor – physician, surgeon or anesthesiologist – must have fixed amount of liability insurance in order to be protected from the medical accident or in case of misdiagnosis. This is required by many states so that doctors can protect themselves from malpractice lawsuits using this insurance policy.


Physicians have to purchase physician malpractice insurance in nearly every state across the country; this is a kind of medical license for doctors. The only exception is Florida where health professionals do not require to obtain malpractice insurance; according to the latest statistics, 5 % of all doctors aren’t insured at all. The Florida Legislature claims that its doctors (those who aren’t covered) have to correspond to certain experience standards, safety criteria and to be engaged in private medical practice.


It’s well-know that total amount of insurance for doctors varies from state to state but it does highly depend upon the doctor’s specialty and its risks.

How Does the Malpractice Application Process Work?


The process is often simple and straight-forward. 


  1. Fill out our Free Quote Form. 
  2. We will contact you to get additional information regarding your unique practice situation.
  3. We may send you documents to complete and return to us and/or we may request documents from you. 
  4. We will then provide you with quotes for your review.  We are happy to review them with you and answer any questions you might have. 

Stay Protected With Malpractice Insurance For Doctors

You may not have let’s say malpractice insurance for anesthesiologists, still you are obliged to have medical liability insurance to reserve the right to access hospital facilities, e.g. operating and diagnostic rooms. This is done so that to lower hospital’s insurance premiums and to be protected in case of malpractice incident. Doctors who are working without malpractice insurance subject the hospital to tremendous risks of massive malpractice settlement.

If we are talking about premiums’ regulation, states control it in one of six ways. Each state has its own rules and restrictions and it’s sometimes hard for physicians to obtain affordable malpractice insurance. It’s necessary for insurance companies to receive permission from the state insurance commissioner to change malpractice insurance costs.

There is the least severe method, so called “no file” the only requirement of which is for insurance companies to keep the records of established rates; therefore they don’t have to inform the state insurance commission. Thus, one may consider market’s control as a way to keep insurance premiums low but it’s actually can restrain physicians to have lower malpractice insurance rates because insurance companies do not have right to change the cost of policy.


Request a quote right now to learn your medical malpractice insurance rates.

What Information Do I Need to Apply for Malpractice Insurance?

Request a quote right now to learn your medical malpractice insurance rates.

Documents Often Requested


To obtain liability insurance coverage, most individuals need to provide several documents to the insurance company to which they are applying for coverage.  These documents often include: 

  • Application
  • Loss Run(s) from previous carrier(s)
  • CV
  • Any additional documentation as requested by the carrier, depending on your practice situation. 

What Is a Loss Run?


When applying for insurance coverage, most companies will request a copy of your Loss Runs from all of your previous carriers, going back 7-10 years.  This document provides a list of all open and closed claims previously made against you while with that company. 


In lieu of a Loss Run, sometimes carriers will accept a National Practitioner Data Bank Self-Query Report.  This is a report of all closed cases, including claims, administrative decisions, and board actions.  This report is not accepted by most carriers, because it does not include any open medical malpractice claims. 



How Long Does the Application Process Take?


At Nexus Insurance Services, we understand that you don't want to spend any time longer than necessary getting your med mal insurance coverage. 


If needed, we are often able to expedite and secure coverage in as little as 2 or 3 days, providing we can get all documentation requested. 


If you are in need of immediate insurance coverage, please let us know that you need your coverage expedited.     



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