Desert Mountain Insurance is an independent insurance agency specializing in medical professional liability insurance for medical offices, healthcare providers and facilities. We partner with many major physician malpractice insurance carriers as well as specialty professional liability insurance companies to cover MD & DO professionals in Arizona and beyond. We not only shop for the best medical liability insurance rates, but evaluate professional liability insurance coverage and provide objective guidance to our clients so they may select the professional liability carrier, professional liability policy and malpractice protection that best meets their specific needs.
... More helpful information about other States soon to come!
In addition to determining if your Medical Liability Insurance needs to be location specific or will follow you to any location, please consider General Liability insurance when traveling to multiple offices, facilities or private locations. General Liability is an insurance coverage that protects an insured against claims from a third party regarding bodily injury or property damage. Typically, a physician will obtain a business owners policy, which combines both general liability and property coverage. However, for a physician who does not have an insurable interest in any business property or an owned or leased location, they may just need to purchase a stand-alone general liability policy. There are ancillary liability coverages that would also be important to include in this policy. For example, a group of anesthesiologists that are traveling from surgery center to surgery center may also need to consider Non-owned and Hired Auto Liability coverage.
Our team of professional liability and commercial insurance professionals have experience in evaluating and explaining the coverage provided under each policy so that each customer can make an informed choice regarding their policy selection. Call us today at (480) 348-2200 to get your free physician malpractice insurance quote.
Recently the State of Arizona increased the liability limits required to execute their contracts. Typically these increased limits are not automatically provided by most General Liability and/or Professional Liability insurance policies. Other endorsements that have been required are coverage for Sexual Abuse and Molestation as well as Waiver of Subrogation. We have found that some carriers are not willing to make these changes to their policy regardless of the insurance requirements stated in the contract.
But, there are options. And, there are carriers that will accommodate the needs of the State of Arizona physician malpractice insurance requirements for MDs & DOs.
Some medical professional liability insurance applications ask if the applicant is a team physician for any professional or collegiate athletes. This is an area of practice that can be of concern to the underwriter reviewing the application. Some carriers will decline coverage for these services or decline to offer coverage period.
Our team of Arizona physician malpractice insurance professionals possess a solid knowledge of the underwriting guidelines for each carrier. We recently obtained coverage for a physician contracted with a major league baseball team.
Did you know that your professional liability policy may not cover independent contractor ancillary personnel even for their acts for your business? You may need to schedule an independent contractor such as an RN or aesthetician in order for that provider to have coverage under your malpractice policy for their work for you.