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Dermatologist Malpractice Insurance
Table of Contents
- Understanding Dermatologist malpractice insurance.
- How much does Dermatologist malpractice insurance cost?
- Why dermatologists choose Cunningham Group
- Does it cost you extra to work with a malpractice insurance agent or broker?
- The Ultimate Medical Malpractice Insurance Guide
- Resources for Dermatologists
Dermatologist Malpractice Insurance
What is Dermatologist Medical Malpractice Insurance?
Dermatologist medical malpractice insurance protects your finances and your career. Doctors in the field of dermatology practice a wide scope of medical diagnosis and treatments related to skin appearance, skin function and underlying conditions that present themselves through skin abnormalities. The medical specialty of dermatology has both surgical and non-surgical components, with sub-specialties that include cosmetic dermatology, dermatopathology, immunodermatology, Mohs surgery, pediatric dermatology and teledermatology.
Why is Malpractice Insurance Important for Dermatologists?
Dermatologists are in a unique position when treating their patients. In addition to cosmetic concerns, there is a relationship between skin pathologies and malfunctions of other organs of the body. Dermatologists study the structure and the function of skin which can include diagnosis of dangerous medical conditions and aesthetic treatments. This combination and responsibility puts dermatologists at risk for potential malpractice litigation.
Malpractice cases in the specialty can arise from all kinds of cases, with many resulting from the most common skin conditions. Melanoma is one of the riskiest diseases for dermatologists to treat, in terms of liability exposure. Other conditions that are responsible for an outsized number of claims against dermatologists are malignant neoplasms of the skin, acne, dyschromia and psoriasis.
Dermatologists should take extra care with these risky conditions, and be sure to employ effective risk management techniques. One of the most important of these techniques is effective documentation. Records should be clear, thorough and standardized. Good documentation can be a deciding factor if there is an allegation of malpractice. Also important is communication. By being clear and avoiding misunderstandings, physicians can significantly reduce the likelihood of a lawsuit.
Potential Causes for Dermatologist Malpractice Litigation
- Prescribing the wrong dosage of corticosteroids
- Misdiagnosis of a skin condition
- Not using reasonable care when treating a patient leading to skin injury
- Failure to diagnose skin cancer in a timely manner
- Prescribing the wrong cream for a skin condition leading to chemical burns
Cost of Dermatologist Malpractice Insurance
Dermatology is not considered a high-risk specialty by medical professional liability insurers, especially if the dermatologist does not perform surgical procedures, so dermatologist malpractice insurance rates are generally modest, but premiums can vary widely for a number of reasons.
Factors that Affect Insurance Premiums:
- Location: Medical malpractice insurance rates are higher in certain states, particularly those without caps on non-economic damages, and are also generally higher in urban and litigious areas of the country.
- Scope of practice: Dermatologists who spend more than 10 percent of their time in cosmetic practice can also expect to pay somewhat higher rates.
- Prior claims
- Hours worked
According to a survey from the AAD, most dermatologist malpractice insurance policies have per occurrence coverage limits of $1 million, which is a standard amount in most states.Dermatologists can buy both claims made and occurrence coverage. Dig deeper into how much medical malpractice insurance costs.
Save Money by Working with a Malpractice Insurance Agent
You can save money on your dermatologist medical malpractice insurance by working with an insurance agent or broker. Brokers shop for the best available policies to determine which ones are best suited for your unique needs at the lowest cost. In the medical malpractice insurance industry, agent commissions are already built into your premium. You pay the same amount for coverage whether you use an agent or purchase directly from the insurance company. Let us be your advocate.
Why Dermatologists Choose Cunningham Group
Cunningham Group saves you money on your podiatrist medical malpractice coverage.
Dermatologists choose Cunningham Group because we are one of the few medical malpractice insurance agencies that take the time to understand your specific employment situation and your approach to patient care. With access to every major medical malpractice insurance company, our team is uniquely qualified to get you the best coverage at the most affordable price. Most malpractice insurance agents only have access to one or two medical malpractice insurance companies. Our almost-universal access lets us shop your coverage among nearly every available company, which means malpractice insurers compete for your business.
How Does the Process Work?
- You will submit your information through a secure medical malpractice insurance quote form.
- You can always call us and speak to an agent immediately.
- A veteran medical malpractice insurance broker will be assigned to you.
- We shop your dermatologist malpractice insurance to every major malpractice insurance.
- Your insurance agent will take the time and go over all of your options with you, explaining everything to make certain you make the right decision.
- We get you your insurance policy at the best price with a major insurance company.
- At renewal time: We start the shopping process all over again, getting you quotes from all the major malpractice insurance companies to again make certain you’re properly priced.
Request your free medical malpractice insurance quote and learn why more dermatologists choose us over anyone else in the nation.
The Ultimate Medical Malpractice Insurance Guide
We’ve created the ultimate medical malpractice insurance guide for healthcare professionals that can answer almost any question you may have — either before you buy or while you have an active policy. This guide applies to all healthcare professionals in every state.