Medical Malpractice

Helping Healthcare Professionals Stay Protected

From costly premiums to rising litigation, healthcare professionals and facilities face complicated risks every day.

The Risk Strategies Medical Malpractice team has a deep understanding of the specific needs of healthcare providers and the exposures you encounter. We have the resources and knowledge needed to defend your organization, assets, and reputation.

Whether you need medical malpractice insurance as a physician, medical facility, or any other healthcare provider, we offer comprehensive, cost-effective, and specialty tailored risk management solutions to address your specific concerns.

Services and solutions

Mitigate risk with customized solutions created specifically for healthcare providers
Offer access to all major medical malpractice insurance carriers in the market
Conduct yearly analysis and coverage reviews, keeping you ahead of market trends
Provide discount programs for IPA, ACO, MSOs, and group purchasing
Create tailored captives and risk retention group programs
Provide additional insurance options, including Cyber, EPLI, BOP, Employee Benefits, Life & Disability, etc. specifically catered toward healthcare practices

Our Healthcare Medical Malpractice insurance experts offer fresh insights on the evolving market and solutions to your most pressing issues, such as:

Rising costs of physician practice overhead
Avoiding the very costly mistakes that can come from utilizing a non-specialist broker unfamiliar with medical malpractice insurance
Navigating new practice structures from hospital acquisitions, joint ventures, or private equity ownership

The Risk Strategies National Healthcare Practice is one of the nation’s largest and most experienced. Get a dedicated risk management consultant and partner with the in-depth industry knowledge you need to keep your organization in top shape.

FAQs

Claims-Made - The policy in force today / when the claim is made, responds to a claim.

Pros for Claims-Made coverage:

Premium rates are very low in the early years of claims-made coverage.
All medical malpractice insurance carriers offer claims-made policies.
If your current carrier has financial problems, you can transfer the liability to an A.M. Best rated carrier, preferably A- or better

Cons for Claims-Made coverage:

It is not as easy to switch carriers as some other forms of coverage.
If your current carrier is in financial trouble, a new carrier may not pick up your retroactive date.
The cost of a tail could be up to 250% of your expiring premium.
If you decide to sell your practice many acquiring companies will require you to purchase a tail.

Occurrence – The policy in force on the date of the event / when the event occurred, responds to the claim.

Pros for occurrence coverage:

You have individual limits of liability for each year of coverage for as long as the insurance carrier is in business.
There is no tail to purchase.
Since there is no tail to purchase, your policy is easily transferred from one carrier to another.

Cons for occurrence coverage:

If you purchase occurrence coverage with a carrier that becomes insolvent (goes out of business), you are only covered to the limits of the state guarantee fund (this can differ by state).
Occurrence usually costs more.
Not as many insurance carriers will offer occurrence coverage because they are liable for that policy period indefinitely.

Modified Claims-Made – Reacts like a claims-made policy but is paid like an occurrence policy. The tail is basically pre-funded, so you don’t have to ever purchase a tail. Many carriers have names like “permanent protection policy” or “claims-made plus”.

Limit of Liability / Aggregate Limit
This is the maximum amount a carrier will pay for all claims that occurred and were reported during a given policy period. Therefore, if your policy limits are $1M / $3M, you have up to $1M per claim, and up to a $3M limit or aggregate for all claims in that policy period.

Retroactive (Prior Acts) Coverage
With a claims-made policy, this coverage provides insurance for claims arising from incidents that occurred while insured on a previous claims-made policy. With retroactive coverage, your new policy covers claims that may arise from when you were with your prior carrier. With such coverage, purchase of a tail is not necessary when switching carriers.

Tail Coverage
With a claims-made policy, if a physician decides to stop practicing medicine, or switch to an occurrence policy form, they are required to purchase an extended reporting endorsement know as a tail or tail coverage. Since a claims-made policy responds when a claim is made, if you no longer have an active policy, you would be liable for any claims that are presented today. This is true for all incidences that happened for the entirety of when you previously had a claims-made policy. Therefore, the tail coverage provides you with permanent protection for those previous years of exposure up until your retroactive date. Most carriers will offer free tail provisions if physicians meet certain criteria, such as retirement, years with a carrier, death, or permanent disability.

Gap in your Insurance / Gap in Coverage
In a claims-made policy, after the policy period has ended and is not renewed, a physician needs to purchase an extended reporting endorsement. This is also known as a “tail". If the physician moves to another carrier, a tail does not have to be purchased if the new carrier offers prior acts or “nose” coverage. If a tail is not purchased or a new carrier does not offer prior acts coverage, then the physician is considered to have a “gap in coverage”.

This is a problem because:

The physician would be liable for any claims that arise during the gap in coverage.
A new carrier may refuse to provide new coverage if you have a previous gap.
Some states will revoke your medical license.

Risk Strategies has streamlined the quoting process to give you accurate pricing. Typically, we only need the following items from each provider:

Curriculum Vitae
Current Insurance Declaration Page
Claims History/Loss Run report
Number of hours the physician typically works per week

Upon receipt, we negotiate with all the top carriers in your state to find the best fit and pricing for your practice. We present quotes, choose the market and handle the administrative paperwork for your practice to ensure a smooth transition.

An admitted carrier is an insurance company who files their rates and is approved by the specific state Department of Insurance.
A Risk Retention Group (RRG) is a liability insurance company owned by its insureds. All insureds must be engaged in similar businesses or activities. They file under federal guidelines and are not subject to all the laws of a particular state’s Department of Insurance.

Key items to consider when choosing an admitted carrier vs. RRG include:

RRGs are not eligible to participate in State Guaranty Funds
The importance of financial rating and longevity for RRGs since not protected by State Guaranty Funds
State controlled pricing vs greater rate flexibility for RRGs
Not all RRGs are created equal. RRGs can be a great option if it is the right RRG with the correct carrier or leadership behind it
Does RRG have a cut through endorsement?

Financial strength (AM Best rating A or higher)
Longevity in the marketplace
Choosing a carrier with an unconditional consent to settle provision
Claims-Made and Occurrence options
Physician advocacy
Claims handling and Risk Management Services
Discount offers (joint defense and consent to settle discounts are not recommended)

Practice Leadership

Chris Zuccarini

Managing Director

Steve Fargis

Managing Director

Tom Murphy

Managing Director

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$100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with land reclamation regulations for open-cut mining operations.}'}, {id=188601390660, createdAt=1744198475085, updatedAt=1744198475085, 1='{type=string, value=Oversize and Overweight Hauling Permit Bond}', 2='{type=string, value=$1,000 - $10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for entities transporting oversize or overweight loads to ensure adherence to permit conditions.}'}, {id=188601390661, createdAt=1744198475086, updatedAt=1744198475086, 1='{type=string, value=Paid Solicitor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$150}', 7='{type=string, value=Necessary for paid solicitors to guarantee ethical fundraising practices.}'}, {id=188601390662, createdAt=1744198475087, updatedAt=1744198475087, 1='{type=string, value=Payment Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure contractors pay subcontractors and suppliers, especially on public property projects.}'}, {id=188601390663, createdAt=1744198475088, updatedAt=1744198475088, 1='{type=string, value=Performance Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantee completion of contractual obligations, particularly in large public construction projects.}'}, {id=188601390664, createdAt=1744198475089, updatedAt=1744198475089, 1='{type=string, value=Perpetual Care Cemetery Fidelity Bond}', 2='{type=string, value=$1,000 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures proper management of funds for perpetual care cemeteries.}'}, {id=188601390665, createdAt=1744198475090, updatedAt=1744198475090, 1='{type=string, value=Private Career Education School Bond}', 2='{type=string, value=$5,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$37}', 7='{type=string, value=Required for private career education schools to ensure compliance with state regulations.}'}, {id=188601390666, createdAt=1744198475091, updatedAt=1744198475091, 1='{type=string, value=Private Employment Agency Bond}', 2='{type=string, value=$5,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Ensures private employment agencies adhere to state laws and protect clients.}'}, {id=188601390667, createdAt=1744198475092, updatedAt=1744198475092, 1='{type=string, value=Probate & Estate Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for fiduciaries and estate administrators to ensure fulfillment of legal duties.}'}, {id=188601390668, createdAt=1744198475093, updatedAt=1744198475093, 1='{type=string, value=Process Server Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for individuals serving legal documents to ensure ethical conduct.}'}, {id=188601390669, createdAt=1744198475094, updatedAt=1744198475094, 1='{type=string, value=Professional Employer Organization Bond}', 2='{type=string, value=$100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$1,000}', 7='{type=string, value=Required for organizations providing employee leasing services to ensure compliance with regulations.}'}, {id=188601390670, createdAt=1744198475095, updatedAt=1744198475095, 1='{type=string, value=Public Official Bonds}', 2='{type=string, value=$1,000 - $2,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure public officials perform their duties ethically and in accordance with the law.}'}, {id=188601390671, createdAt=1744198475096, updatedAt=1744198475096, 1='{type=string, value=Residential Roofing Contractor Bond}', 2='{type=string, value=$15,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for roofing contractors undertaking projects over $2,000 to ensure compliance with standards.}'}, {id=188601390672, createdAt=1744198475097, updatedAt=1744198475097, 1='{type=string, value=Right of Way Bonds}', 2='{type=string, value=$1,000 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary before performing construction work on publicly owned right of ways.}'}, {id=188601390673, createdAt=1744198475098, updatedAt=1744198475098, 1='{type=string, value=Scholarship Uniform Lottery Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for entities selling lottery tickets or using lottery equipment to ensure proper fund management.}'}, {id=188601390674, createdAt=1744198475099, updatedAt=1744198475099, 1='{type=string, value=State Highway and Transportation Department Contract Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures contractors fulfill obligations on state highway and transportation projects.}'}, {id=188601390675, createdAt=1744198475100, updatedAt=1744198475100, 1='{type=string, value=Subdivision Bonds}', 2='{type=string, value=$1,000 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required before initiating construction in subdivisions to ensure completion of public infrastructure.}'}, {id=188601390676, createdAt=1744198475101, updatedAt=1744198475101, 1='{type=string, value=Summer Food Service Program Bond}', 2='{type=string, value=$1,000 - $200,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with regulations for providers of summer food services to children.}'}, {id=188601390677, createdAt=1744198475102, updatedAt=1744198475102, 1='{type=string, value=Supply Bond}', 2='{type=string, value=$1,000 - $25,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantees suppliers fulfill contracts to provide materials or supplies.}'}, {id=188601390678, createdAt=1744198475103, updatedAt=1744198475103, 1='{type=string, value=Surplus Lines Insurance Broker/Producer Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for brokers dealing with surplus lines insurance to ensure compliance with state laws.}'}, {id=188601390679, createdAt=1744198475104, updatedAt=1744198475104, 1='{type=string, value=Third Party Administrator Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Ensures third-party administrators manage funds and claims in accordance with regulations.}'}, {id=188601390680, createdAt=1744198475105, updatedAt=1744198475105, 1='{type=string, value=Towing and Recovery Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for towing and recovery operators to ensure ethical business practices.}'}, {id=188601390681, createdAt=1744198475106, updatedAt=1744198475106, 1='{type=string, value=TTB Tobacco Bonds}', 2='{type=string, value=$100 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for businesses manufacturing or exporting tobacco products to ensure tax compliance.}'}, {id=188601390682, createdAt=1744198475107, updatedAt=1744198475107, 1='{type=string, value=Used Tire Transporter Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for transporters of used tires to ensure proper disposal and environmental compliance.}'}, {id=188601390683, createdAt=1744198475108, updatedAt=1744198475108, 1='{type=string, value=USTOA Indemnity Bonds}', 2='{type=string, value=$1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for active members of the USTOA $1 Million Travelers Assistance Program to protect consumers.}'}, {id=188601390684, createdAt=1744198475109, updatedAt=1744198475109, 1='{type=string, value=Utility Bond}', 2='{type=string, value=$100 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$40}', 7='{type=string, value=Required by utility companies to ensure timely payment of utility bills by customers.}'}]

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specify
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Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.

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