professional liability

It’s often been said that seeing is believing, and this is certainly true in legal proceedings. Ever since movies were first allowed into a courtroom, film and video have provided a reliable way of capturing reality and presenting it as evidence. Who knows how many people have been convicted or exonerated on the basis of images on a screen?

In these two stories, Architects find themselves confronted by “video evidence” that may reveal either guilt or innocence. And neither is certain. 

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Thank you for listening.

It can take awhile to finally land on a malpractice carrier that you really like. And once you’re all setup with them, it’s very comfortable and easy to just renew your policy year over year. And to be honest, there are many reasons why it makes sense to stay with the same carrier for the long-haul. But, there are also some drawback and potential issues with staying with the same malpractice company for a really long time. Today we’re going to talk about the Pros and Cons so that you can decide if it’s time for YOU to possibly make a change.

For the BLOG on this topic, visit: https://aegismalpractice.com/malpractice-insights/should-you-stay-with-the-same-carrier-for-a-long-time-here-are-the-pros-and-cons/

(1:20) Pros and Cons of Staying With Your Carrier

(5:40) Medical Malpractice Shopping Tips

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According to the AMA, 1 in 3 doctors have been sued for medical malpractice. And the data that we see from the insurance carriers shows that number continues to go up, depending on your specialty, where you practice, and how long you’ve been working.  It’s very likely that you will be involved in at least 1 malpractice claim by the time you retire from the practice of medicine.  And if you’ve never been involved in a claim before, it can be a bit of an unknown… perhaps even a little scary and intimidating to think about what it's like to go through a lawsuit. So today, we’re going to talk about what happens after you get sued for medical malpractice… what the claim process actually looks like from the insurance side of things, so that you can be better prepared if and when it happens to you. 

FREE DOWNLOAD: Understanding the Medical Malpractice Claims Process: https://aegismalpractice.com/malpractice-insights/what-happens-after-i-get-sued-for-medical-malpractice/

1:32 The Five Stages of the Malpractice Claim Process
6:04 Three Tips to Protect Yourself

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Interacting with patients on a daily basis exposes you, your employees, any independent contractors working for you AND the practice itself to professional liability.  And, while it’s pretty well-known that doctors and healthcare providers need to carry malpractice insurance, one of the most common mistakes that we see is forgetting to cover your medical corporation.  But for most start-up practices, cost is a major issue and providers need to make sure they get the coverage they need – without breaking the bank.  

So, what’s the best way to do this? We’ll talk about it today. 

1:15 Who actually needs malpractice coverage in your practice?
2:15 How do you get malpractice insurance for a business entity or corporation?
2:56 Shared limits vs. separate limits

💻 For the BLOG on this episode, visit: https://aegismalpractice.com/malpractice-insights/whats-the-best-way-to-insure-your-medical-practice-for-start-ups/

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So, you’re looking at malpractice insurance options and being the smart provider that you are, you’ve got quotes for both Occurrence and Claims-Made policies in front of you.  You like the idea of an Occurrence policy, but the Claims-Made quote is so much cheaper in the first few years. So, why not just start with the Claims-Made policy now and then switch to Occurrence when you’re a little further down the road? Well, CAN you switch – Yes… but there are a few things that you need to be aware of before you make this choice. We’ll talk all about it today.

✔️For the BLOG on this topic, visit: https://aegismalpractice.com/malpractice-insights/can-i-switch-from-claims-made-to-occurrence-coverage/

1:11 The difference between Claims-Made and Occurrence
4:01 Long term cost breakdown
6:10 Switching from Claims-Made to Occurrence

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A conversation with Roger Warin
Former Chair
Steptoe & Johnson LLP

If you’re an employed physician, chances are, your malpractice insurance is being provided FOR you. And while this is certainly convenient, there may be limitations in your malpractice policy that you’re not aware of. For this reason, many providers wonder if they should get supplemental malpractice insurance?  

So today, we’re going to talk about why you might want to consider getting additional coverage – and what kind of insurance you should get. Plus, we’ll talk about what supplemental insurance DOES and DOESN’T cover.

1:05 What is supplemental malpractice insurance?
2:30 What supplemental policies DO and DON'T cover
4:06 How much will supplemental insurance cost?
5:21 Should you get Claims-Made or Occurrence coverage for supplemental insurance?
6:29 Example costs
9:17 Let Aegis help!

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In this episode MedPro Group's claims consultant, Barri Orlow discusses a challenging case involving a patient with sickle cell anemia where the patient did not provide the physician with good information about their health history.

If you’re struggling to find malpractice insurance, your agent might suggest coverage options for you in the non-standard market. But, what exactly does that mean? Well today we’re going to go over the main differences between a standard malpractice insurance policy and a non-standard malpractice insurance policy. We’ll talk about the reasons why a healthcare provider may need to go the non-standard route and give you 5 key things that you need to be aware of BEFORE you accept coverage.

Do you have a question for our mail bag? Ask it here! https://aegismalpractice.com/malpractice-insights-podcast/

RELATED EPISODE: Understanding Consent to Settle https://youtu.be/NJx-nVStEM4

1:03 Standard Market vs. Non-Standard Market
2:33 Why you might need non-standard market coverage
3:48 Five key things to know before you get non-standard coverage

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In this episode, MedPro Group's claims consultant Jacqueline Clark discusses an unfortunate case where a dental patient has surgery performed on the wrong side of her jaw to remove cancer. 

In this episode MedPro Group's claims consultant Sandra Bevans discusses an incident where a patient at a Psychiatric hospital experienced an altercation with another patient resulting in him being pushed to the ground, but then his situation is ignored by the outside staff of the facility. 

In this episode MedPro's claims consultant Rebecca Pehlke discusses a case where a patient has multiple cancer diagnoses resulting in a need for a change in the defense strategy of this case.

A conversation with Kalpana Srinivasan
Managing Partner
Susman Godfrey L.L.P.

In this episode MedPro Group's claim manager Molly Hoffman discusses an interesting case involving a plaintiff who had undergone a Gastric Sleeve procedure and was later diagnosed with Wernicke's Encephalopathy.   

Today we’re continuing our new Mail Bag segment with some more “real life” scenarios to talk through. We’re going to talk about what questions you should be asking potential employers regarding the type of malpractice coverage they’ll be offering you, how to find a more competitive policy option when you’ve had previous insurance lapse, and how to choose between Occurrence and Claims-Made coverage when you’re a solo provider.

📱💻 RELATED EPISODES 📱💻
Understanding Consent to Settle https://youtu.be/NJx-nVStEM4
Claims-Made vs. Occurrence Coverage https://youtu.be/ziBmE9oUh2M
What is Tail Insurance? https://youtu.be/3THm5jDd2eY

1:01 - What medmal questions should I ask potential employers?
6:45 - If my insurance lapsed, can I ever go back to my old carrier?
9:27 - Should solo providers get Claims-Made or Occurrence coverage?
13:06 - Let Aegis help!

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🎙🎥 Produced by Grip Media Indiana.  For more information on how Grip Media can help produce your podcast or video work, visit https://www.gripmediaindiana.com

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If you’re joining a practice or working for a hospital or large health network, your options for malpractice insurance will be limited… you’ll just get the same coverage as everyone else in the group. But if you’re practicing on your own, YOU get to call your own shots. This can be both empowering and a little intimidating. What kind of policy should you get? How do you make sure you pick the right coverage that will keep you protected, while also keeping your budget in mind? In today’s episode, we’ll give you some thoughts on the best type of malpractice policy for self-employed doctors. And the answer might surprise you!

💻 RELATED EPISODES
Claims-Made vs. Occurrence Coverage - What's the Difference? https://youtu.be/ziBmE9oUh2M
Claims-Made vs. Occurrence Coverage CASE STUDIES https://youtu.be/9kWic4YXllA

1:13 Claims-Made vs. Occurrence
4:53 Why Choose Occurrence?
6:41 Why Choose Claims-Made?
8:45 What Do Most Self-Employed Docs Choose?
9:41 Let Aegis Help!

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🎙🎥 Produced by Grip Media Indiana.  For more information on how Grip Media can help produce your podcast or video work, visit https://www.gripmediaindiana.com

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📱💻 aegismalpractice.com
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When you’re shopping around for malpractice insurance, price is always a key consideration. In fact, it’s usually the FIRST thing doctors look at when they’re given multiple quotes from different carriers. But beyond price, what ELSE should you be looking for in a quality malpractice insurance policy? If the rates are relatively similar, what makes one option better than another? And is there ever a time when it’s worth paying MORE for a policy? In today’s episode we’re going to give you a list of 5 key things to look at besides price to make sure that you’re getting the best protection for your hard-earned dollar.

💻For the BLOG on this topic, visit: https://www.aegismalpractice.com/malpractice-insights/five-things-to-look-for-in-a-quality-malpractice-policy

💻 RELATED EPISODES 💻
Understanding Consent to Settle https://youtu.be/NJx-nVStEM4

1:40 Who the carrier is
3:01 What policy types do they offer?
3:56 How experienced is the claims and defense team?
4:55 Do they offer pure consent to settle?
6:15 What other value-added services do they offer?
8:49 Let Aegis help!

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🎙🎥 Produced by Grip Media Indiana.  For more information on how Grip Media can help produce your podcast or video work, visit https://www.gripmediaindiana.com

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Buying medical malpractice insurance can be a time-consuming, frustrating process. There are many different companies to choose from, policy types to understand and coverage nuances that can make it difficult to really know if you’re getting the best coverage at the best price. So, often doctors will work with an agent to help them compare options in the market. And the more agents you work with, the more options you’ll get – right? 

Well, in today’s episode we’re going to show you why this is actually NOT the best approach and show you the 4 problems with working with multiple agents. And by the end of this episode you’ll know how you can streamline your quote process to ensure you’re getting the best options as quickly as possible. 

1:17 Direct vs. Independent Agents
2:44 Pricing
3:51 Why not use multiple agents?
5:03 Problem: Agents Blocking the Market
6:11 Problem: Agents with Misguided Intentions
7:46 Problem: Unnecessary Work (For You!)
8:56 Problem: Loss of Leverage
10:49 Let Aegis Help!

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🎙🎥 Produced by Grip Media Indiana.  For more information on how Grip Media can help produce your podcast or video work, visit https://www.gripmediaindiana.com

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📱💻 aegismalpractice.com
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Today we’re continuing our new Mail Bag segment with some more “real life” scenarios to talk through. We’re going to talk about a situation where a doctor got STUCK with an unexpected tail obligation, how to successfully hire self-employed providers, and key considerations when you’re just starting private practice after fellowship.

📱RELATED EPISODES📱
How to Successfully Negotiate Tail Insurance: https://youtu.be/q-tQe_ofRWI

0:54 Handling and unexpected tail bill
5:20 How to cover independent contractors and LLCs
8:32 Setting up a policy after fellowship

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🎙🎥 Produced by Grip Media Indiana.  For more information on how Grip Media can help produce your podcast or video work, visit https://www.gripmediaindiana.com

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📱💻 aegismalpractice.com
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Across the country, malpractice insurance rates are starting to creep up little by little. And the reason for this (at least, in part) is due to a hardening market. So, what exactly is a hard market in malpractice insurance terms? And why does it matter to you? Today we’re going to unpack this topic and give you a simplified definition of a hard market PLUS give you some tips on how you can navigate it successfully – so that you can ensure that you’ll stay protected while keeping your rates as low as possible. 

🖥️ For the BLOG on this topic, visit: www.aegismalpractice.com/malpractice-insights/malpractice-insurance-during-a-hard-market-what-to-do

1:08 The difference between soft and hard markets
3:57 The impact of a hard market
4:51 Preparing for success in a hard market
7:35 Let Aegis help!

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🎙🎥 Produced by Grip Media Indiana.  For more information on how Grip Media can help produce your podcast or video work, visit https://www.gripmediaindiana.com

**********Contact us!**********

📱💻 aegismalpractice.com
📞 888.51AEGIS [888.512.3447]

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