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Protecting Physicians, Surgeons, and Medical Groups with Tailored Medical Malpractice Insurance

Discover Your Coverage Options

the drsCoverage Difference

DrsCoverage medical malpractice insurance brokers about us section.

Collaborative Approach

At DrsCoverage, we take a collaborative approach to medical malpractice insurance. Your risk profile and insurance needs are carefully assessed by a team with extensive industry experience. This team-based model ensures that you benefit from a wide range of experience and well-rounded solutions tailored to your specific needs.

tailored group solutions

Our founder has been dedicated to working with doctors for over 25 years, gaining invaluable experience with some of the largest group practices in the country. This extensive background provides us with a deep understanding of the complexities of practices, allowing us to offer tailored coverage solutions that meet the unique needs of both individual doctors and large groups.

Advanced Carrier Access

We have access to top A-rated carriers for standard markets, as well as excess and surplus lines for non-standard markets, to provide malpractice insurance for doctors across a range of specialties and experience levels. Whether you're a high-risk specialist, a doctor with a claims history, or just starting out in the medical world, we are here to serve you.

Empowering Doctors with Essential Resources

We provide doctors with essential tools and insights to confidently navigate medical malpractice insurance, covering topics like Med Mal 101, tail insurance, policy types, specialty-specific considerations, and state-specific requirements. Whether you're new to malpractice insurance or seeking deeper understanding, our resources empower you to make informed decisions to protect your practice.

Coverage Areas

Top A-Rated Carriers
High-Risk Specialties
Any Claims History
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Specialties & Facilities We Serve

A surgeon is holding an oxygen mask in an operating room, ensuring the proper administration of anesthesia to reduce the risk of malpractice and ensure patient safety.
ANESTHESIOLOGISTS
A pregnant woman is being examined by an OBGYN doctor with a stethoscope.
obgyn
An image of a medical brain with electrical wires surrounding it, depicting the importance of malpractice insurance for neurosurgeons.
NEUROSURGEONS
A orthopedic surgeon is performing surgery on a patient's knee, ensuring their expertise and malpractice insurance coverage.
ORTHOPEDIC SURGEONS
A team of surgeons performing surgery on a patient, ensuring their expertise and backed by malpractice insurance.
general SURGEONS
A white room with blue chairs in an urgent care center.
URGENT CARE CENTERS
sEE ALL AREAS

FAQs

What does medical malpractice insurance typically cover?
Medical malpractice insurance typically covers legal defense costs, settlements, and judgments resulting from claims related to medical errors, negligence, misdiagnosis, or patient care that falls outside of standard practice.
What are the exclusions of malpractice insurance coverage?
The primary exclusions to malpractice insurance include: 
‍
- Intentional wrongdoing
- Criminal acts
- Unauthorized modification of medical records
- Breach of contract
- Deliberate and fraudulent actions
- Defamation
- Liability for incidents of sexual misconduct
- Prior acts
- Unlicensed activities
- Unapproved procedures or treatments
- Claims outside the coverage period
- Claims made after policy cancellation
- Non-patient claims
- Unreported incidents
- Specific exclusions

See the full explanation in our Ultimate Guide to Med Mal.
I would like to Switch into a new policy, can I do so before my existing policy expires? 
Yes, you can switch to a new policy at any point during the coverage year. First, you will need to obtain the new policy before canceling the old policy to ensure there are no gaps in coverage when you switch, then you can cancel the old policy and request a prorated refund from your old provider. At DrsCoverage, we can help you through this entire process including assessing your current practice needs and risk profile for proper coverage of your new policy.
Why should I work with a broker instead of going directly to an insurance carrier?
Brokers offer an unbiased perspective and access to multiple insurance carriers. This allows us to compare policies, coverage options, and rates from various providers, aiming to get you the right fit for your needs.

Learn more about the benefits of working with a broker here.
Is there a fee for using a broker's services?
No, brokers are typically compensated by the insurance carrier through a commission, which does not affect your premium. Your premium is determined by the carrier based on your coverage choices and risk profile. At DrsCoverage, we do not charge broker fees, ensuring there are no additional costs to you.
Do all brokers have access to the same carriers?
No, each brokerage firm needs to establish its own relationships and receive an “appointment” from a malpractice insurance carrier. This can take years to establish, along with other factors. Brokers may have connections that allow them access to these carriers through other means to serve their clients. Some brokers will present their client to only a few carriers, while others have access to majority, if not all, carriers.

At DrsCoverage, we have access to top A-rated carriers as well as non-standard markets designed for doctors who may benefit from excess and surplus (E&S) lines of insurance. This includes doctors with risk profiles that have a higher claims history and those in high-risk specialties who may find it difficult to secure coverage in standard markets. Our access to these specialized markets allows us to better serve clients with unique needs, helping them secure coverage even in complex situations.
SEE ALL FAQs

Resources

A piggy bank, calculator, and stethoscope on a blue background representing the importance of malpractice insurance for claims made vs occurrence.A man in a suit pressing a button with the word insurance.

Medical Malpractice Insurance 101

How can you know that you’re fully covered in your specialty? Do you have gaps in your existing coverage? Should you do claims-made or occurrence-based insurance? Will you need tail or nose coverage? Those are some of the questions that any Doctor looking for malpractice insurance should think about when examining which policy to get.
Read post
A man in a suit pressing a button with the word insurance.A piggy bank, calculator, and stethoscope on a blue background representing the importance of malpractice insurance for claims made vs occurrence.

Claims Made vs Occurrence Policy

The two most common types of medical malpractice insurance are occurrence-based and claims-made policies. While they both provide coverage for alleged malpractice claims, there are key differences you must understand to determine which is right for your practice.
Read post

Let our experienced team help you find coverage tailored to your needs

Why Choose DrsCoverage?

Navigating the intricacies of professional liability insurance for doctors requires careful attention to numerous details to ensure comprehensive protection. This is where our experience becomes invaluable. With deep industry knowledge, we work diligently to connect doctors with the carrier and policy best suited to their specific needs. We understand that finding the right coverage can be overwhelming, so we strive to make the process as easy and straightforward as possible for you.

Experience

Our team is dedicated to providing medical malpractice insurance and related coverages, including cyber liability insurance, telemedicine, and tail policies. We tailor these solutions for individual doctors, medical groups, locum tenens providers, med spas, and urgent care centers. Backed by over 100 years of combined experience, we bring deep industry knowledge to finding coverage that fits your specific needs across a wide range of specialties. We would be honored to work diligently to meet your unique requirements.

Advanced Carrier Access

We have access to top A-rated carriers in the industry for standard markets. We also have access to non-standard markets called excess and surplus or E&S insurance, giving you a wide range of options and the ability to secure high quality coverage.

ONGOING POLICY REVIEW

Whether you’re a new or long-term client, we continuously review your coverage to ensure it adapts to your evolving practice needs. Our proactive approach identifies gaps or additional protection needed at each policy application and renewal, keeping your coverage aligned with changes in your risk profile.

Cost-Effective coverage

We are committed to helping you find cost-effective solutions without compromising on coverage quality, ensuring you get value for your insurance investment. We understand that every doctor's situation is unique. We take the time to assess your specific requirements and tailor a policy that provides comprehensive protection.

no additional fees

You can benefit from our services at no additional cost to you. The commission is covered by the insurance carrier and does not affect your premium.

Peace of Mind

Choosing DrsCoverage means you can focus on your practice with confidence. When coupled with a strong carrier and comprehensive policy, you can find reassurance that your professional liability is effectively managed through coverage, giving you the support needed to mitigate risk.

Request Free Quotes

To request quotes, please submit this form and we will follow up with you promptly. Thank you!
getcovered@drscoverage.com
(512) 737-1117
111 Congress Avenue
Suite 500
Austin, TX 78701
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