What you should know about the Arizona professional liability insurance market
With the increase in competition between insurance companies for malpractice insurance for doctors and more companies to choose from, it is extremely important to have an experienced agent on your side. Desert Mountain Insurance will research and evaluate the companies and coverage components to ensure you are well informed in the purchase of a policy.
We partner with many major nationwide medical malpractice insurance carriers as well as local Arizona insurers. We not only shop for the several Arizona medical malpractice insurance rate options but evaluate malpractice insurance coverage for doctors and provide objective guidance to our clients so they may select the professional liability company, professional liability policy, and medical malpractice insurance protection that meets their specific needs. Our experienced team can help you discover what your medical malpractice coverage demands are. We’ll help you find coverage for all healthcare providers, in addition to those with claims and/or board issues, as well as those who may not have been approved by standard carriers.
Records Retention Requirement for Arizona Professional Liability Insurance and Arizona Medical Malpractice Insurance
A.R.S. §12-2297 dictates how long a health care provider must retain a patient’s medical records. The Statute states the following:
- Adults – at least 6 years after the last date the adult patient received medical or health care services from that provider.
- Children – either for at least 3 years after the child’s 18th birthday or for at least 6 years after the last date the child received medical or health care services from that provider, whichever date occurs later.
- Source data – medical records, including x-rays and other diagnostic images may be maintained separately from the medical record, but must be retained for 6 years from the date of collection of the source data.
In addition, the Statute also addresses retirement and selling a practice, the responsibility of employed health care providers as well as nursing care institutions.
When evaluating malpractice insurance for doctors’ coverage and purchasing an Arizona medical malpractice insurance policy, it is important to determine if coverage for such administrative responsibilities is included automatically or an option to be added should any disciplinary preceding occur with regards to retaining medical records. An Arizona medical professional liability insurance policy can also provide coverage due to any cyber liability or data breach of medical records.
Arizona Professional Liability Insurance and Statute of Limitations
The Statute of Limitations in Arizona is defined in A.R.S. §12-542 and states that a medical malpractice action or cause of action for medical malpractice must be commenced and prosecuted within two years after the cause of action accrues, and not afterward, of the alleged negligence, misconduct, errors or omissions, or breach of contract of services rendered. Exceptions for product liability are stated in A.R.S 12-551
It is important to consult your Arizona physicians liability insurance company and an Arizona medical malpractice insurance attorney should a provider receive a written demand from a patient or patient representative.
Desert Mountain Insurance is available to discuss your questions regarding malpractice insurance for doctors coverage provided by medical malpractice insurance carrier policies in Arizona. Please do not hesitate to give us a call today at (480) 348-2200.
Let Us Help You Shop for Medical Malpractice Insurance for Healthcare Providers
THIS SITE DOES NOT OFFER LEGAL ADVICE
The information provided on this site does not constitute legal advice. The material on this site is for informational purposes only and often changes without notice and may not be the most current. Please check your state laws and always seek the advice of a qualified attorney regarding any legal issue or question.