Prescribing Peace of Mind

Medical Malpractice Insurance for Surgeons and High-Risk Specialties

• Advanced Access: A-Rated Admitted Carriers, Excess & Surplus, and Risk Retention Groups

• Support through practice launches, contract shifts, and career transitions

• Concierge-level partners in insurance presenting clear options at every stage

The DrsCoverage Difference

DrsCoverage is a medical malpractice insurance brokerage backed by a team with over 100 years of combined industry experience. We take a collaborative approach, working closely with each client to deliver personalized coverage solutions for solo physicians and medical groups. Whether you're in a high-risk specialty, have a claims history, or need coverage tailored to a unique practice model, we help identify gaps and connect you with policies that fit your needs.

‍Our mission is simple: To give doctors confidence in their malpractice coverage - so they can focus on patient care, prepared for the unexpected, should it ever happen.

Collaborative Approach

At DrsCoverage, we take a collaborative approach to medical malpractice insurance. Your dedicated broker leads the process, with support from an experienced team that contributes added insight during coverage review. It’s a structure that further strengthens the ability to identify potential gaps and present the full scope of available options, while keeping your coverage aligned with your specialty and practice setting.

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 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.

Concierge-Level Support

Our brokerage operates like a concierge for your malpractice coverage – personal, responsive, and built around your needs as a physician. From the first quote to renewals and tail coverage, you have a dedicated broker who understands the demands of medical practice and helps you navigate each step with clarity. We streamline the process, explain coverage options in plain language, and provide ongoing support when questions or changes arise.

Coverage Areas

✔ Top A-Rated Carriers

✔ High-Risk Specialties

✔ Complex Practice Profiles

Specialties 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.

Anesthesiology

OBGYN

An image of a medical brain with electrical wires surrounding it, depicting the importance of malpractice insurance for neurosurgeons.

Neurosurgery

A orthopedic surgeon is performing surgery on a patient's knee, ensuring their expertise and malpractice insurance coverage.

Orthopedic Surgery

A team of surgeons performing surgery on a patient, ensuring their expertise and backed by malpractice insurance.

General Surgery

A woman is getting examined by a plastic surgeon with malpractice insurance.

Plastic Surgery

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?

Malpractice insurance covers a lot - but not everything. Most policies exclude:
- Intentional harm or criminal acts
- Altering medical records
- Sexual misconduct or harassment
- Practicing without a valid license
- Breach of contract or fraudulent behavior
- Claims filed after the policy ends (unless tail coverage is in place)
- Non-patient-related issues

Every policy spells out exclusions in detail, so it’s important to review them carefully. For a deeper dive, check out our Ultimate Guide to Med Mal.

Can I Switch to a New Policy Before My Current One Expires?

Yes, switching to a new policy midterm is possible. If you're considering a change - whether for better rates, broader coverage, or because your practice needs have shifted - the key is to secure the new policy before canceling the old one to avoid any coverage gaps.

Once your new coverage is active, you can cancel the existing policy and, in many cases, request a prorated refund for any unused premium.

At DrsCoverage, we’ll help assess your current situation, talk through your goals, and guide you through the timing of a switch. Our focus is making sure the transition fits your risk profile and coverage needs - without leaving you exposed in the process.

Why should I work with a broker instead of going directly to an insurance carrier?

Going straight to a carrier means you’re only seeing one option. A broker works with multiple top-rated insurers, helping you compare coverage terms, costs, and policy structures across the board. That matters - especially if your specialty or practice situation requires more tailored coverage.

A good broker acts as your advocate, not the carrier’s sales rep. You get objective guidance, more choices, and a clearer path to the policy that fits your needs - not just the one you happened to find first.

Learn more about the benefits of working with a broker here.

Is there a fee for using a broker's services?

When it comes to finding a policy, no - brokers are typically compensated by the insurance carrier through a commission, and that commission doesn’t impact your premium. Your cost is based on your specialty, location, coverage structure, and risk profile - not whether you used a broker.

Some brokers may charge for additional services like risk management consulting or practice audits, but most do not charge a fee just to help you secure coverage.
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At DrsCoverage, we don’t charge broker fees. You receive professional guidance from our team and access to an extensive network of carriers without paying anything extra.

Do all brokers have access to the same carriers?

No. Malpractice insurance carriers appoint brokers individually, and not every broker has access to every carrier. These appointments often take years to establish and depend on the broker’s experience, volume, and reputation. Brokers may have connections that allow them access to these carriers through other means in order to serve their clients.

Some brokers work with just a few select carriers, while others have broader access through direct appointments or partnerships. The difference matters - limited access can mean limited options. A broker with strong carrier access is more likely to find a policy that aligns with your practice, specialty, and risk profile.

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.

DrsCoverage provides medical malpractice insurance for physicians and surgeons graphic.

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

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

Start Your Quote Request or Speak With the Broker

You can schedule a consultation with a licensed broker or request quotes whenever you’re ready. If you have a recent application or renewal packet, feel free to send it over - it usually helps us get initial indications more quickly. A DrsCoverage broker is available to help at any point in the process.

getcovered@drscoverage.com

(512) 737-1117

111 Congress Avenue
Suite 500
Austin, TX 78701

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DrsCoverage is a registered DBA of Doctors Insurance LLC, a licensed medical malpractice insurance brokerage. The content on this site is for general educational and informational purposes only and does not constitute professional, insurance, or legal advice. Quotes and services are available only in states where the licensed insurance producer is authorized to operate. Licensing status and product availability vary - please contact us to confirm eligibility in your state. Insurance services are provided by a producer licensed in the applicable jurisdiction. DrsCoverage operates as a brand under the direction of a licensed insurance producer. For full disclaimers and limitations of liability, please refer to our Legal Page.