Physicians & Surgeons Malpractice Insurance
Physicians and surgeons face professional liability risks that can vary significantly by specialty, procedures performed, practice setting and location. Clifton Insurance Agency helps individual physicians, surgeons and medical groups find malpractice insurance designed around their specific coverage needs.
Whether you are practicing full time, part time, moonlighting or transitioning to a new practice, our team can help you compare medical malpractice insurance options and determine the coverage that makes sense for you.
Submit the online form below to request a quote or call 877-212-4368 for immediate assistance
Medical Malpractice Insurance Designed Around Your Practice
No two medical practices have exactly the same liability exposure. A primary care physician may have very different insurance requirements from an OB/GYN, cardiothoracic surgeon or neurosurgeon.
That is why malpractice insurance should be evaluated based on the individual physician and the way they practice.
Clifton Insurance Agency works with physicians and surgeons across a wide range of specialties to identify coverage options based on factors such as:
- Medical or surgical specialty
- Procedures performed
- Full-time, part-time or moonlighting practice
- State or states where you practice
- Desired liability limits
- Current and previous malpractice coverage
- Claims history
- Individual or group practice structure
Our goal is to help you understand your options and obtain appropriate coverage without paying for protection that does not fit the way you practice.
Malpractice Insurance for Physicians and Surgical Specialists
Clifton Insurance Agency provides malpractice insurance options for individual physicians, surgeons and medical groups nationwide.
We work with a broad range of medical specialties, including primary care physicians, specialists, OB/GYN physicians, general surgeons, cardiothoracic surgeons, neurosurgeons and other medical and surgical professionals.
Because malpractice exposure can vary considerably from one specialty to another, we take the time to understand your practice before seeking quotes.
What Affects the Cost of Physician Malpractice Insurance?
Medical malpractice insurance premiums are based on several factors. Your specialty is an important consideration, but it is only part of the underwriting process.
Your location, procedures, hours worked, claims history, liability limits and prior insurance history can all influence pricing and coverage availability.
Rather than relying on a one-size-fits-all approach, Clifton Insurance Agency can compare available insurance options based on the details of your individual practice.
Individual, Part-Time and Moonlighting Coverage
Physicians increasingly work in a variety of practice arrangements. You may operate your own practice, work with a medical group, provide services as an independent contractor or work occasional shifts outside your primary position.
Clifton Insurance Agency can help evaluate malpractice insurance for full-time physicians as well as part-time and moonlighting arrangements.
If you already have coverage through an employer or medical group but are unsure whether it extends to work performed elsewhere, we can help you review your insurance needs and determine whether additional coverage should be considered.
Changing Practices or Carriers?
A change in employment or insurance carriers can create important questions regarding prior acts coverage and malpractice tail insurance.
Physicians leaving a practice should understand how claims arising from previous services will be handled after their existing policy ends.
Clifton Insurance Agency also provides assistance with Prior Acts and Tail Insurance for physicians who need coverage associated with a previous malpractice policy.
Why Work With Clifton Insurance Agency?
Clifton Insurance Agency has specialized in professional liability and medical malpractice insurance since 1982. As a family-owned insurance agency, we focus on providing physicians and medical professionals with personal assistance rather than treating every practice as if it has the same insurance needs.
We work with established insurance markets to help physicians compare coverage, limits and pricing based on their individual circumstances.
Whether you are purchasing malpractice insurance for the first time, reviewing an existing policy or looking for alternatives to your current carrier, our team can help you evaluate your options.
Request a Physicians & Surgeons Malpractice Insurance Quote
Protecting your career and medical practice begins with understanding your professional liability exposure.
Complete the quote request form to tell us about your specialty, current insurance and coverage needs. A Clifton Insurance Agency representative can then review your information and help identify malpractice insurance options for your practice.
Request a quote online or call Clifton Insurance Agency at 877-212-4368.
Physicians & Surgeons Malpractice Insurance FAQs
Can I get malpractice insurance for a part-time medical practice?
Coverage may be available for physicians working full time, part time or in moonlighting positions. Your schedule, specialty and procedures performed can affect both coverage options and pricing.
How much does physician malpractice insurance cost?
The cost varies based on factors including medical specialty, state, procedures performed, coverage limits, claims history and previous insurance. Providing detailed information about your practice allows insurers to develop a more accurate quote.
Do surgeons need different malpractice coverage than other physicians?
Surgeons can have different professional liability exposures based on their specialty and the procedures they perform. Underwriters consider these factors when determining coverage availability and premiums.
What happens to my malpractice coverage when I leave a practice?
Depending on the type of policy and employment arrangement, you may need prior acts or tail coverage to address claims related to services performed before your previous coverage ended. Clifton Insurance Agency can help evaluate available tail and prior acts insurance options.