Physicians’ Reciprocal Insurers (PRI) launched EmPRO Insurance Company on September 15, 2020, to provide medical professional liability (MPL) insurance in New York. EmPRO, administered by PRIMMA LLC—PRI’s attorney-in-fact—aims to offer physicians a stable insurance solution supported by PRI’s financial resources.  Initially focused on New York, EmPRO has since expanded to cover additional states in the […]

Choosing an A-rated malpractice insurance company is key to protecting your medical practice. An A-rated insurer indicates strong financial stability, ensuring your insurer can cover large claims. This reliability is essential when facing potential liabilities, giving physicians peace of mind that their coverage provider is financially sound and capable of handling claims when needed. Why […]

A physician’s loss history plays a significant role in determining malpractice insurance rates. This history includes past claims or incidents, whether they resulted in settlements, judgments, or were dismissed. Loss history affects how insurers assess a physician’s risk level and can either increase or decrease premiums based on the frequency and severity of past claims. […]

The physician-patient relationship is built on mutual trust, communication, and responsibility. While most patients uphold these expectations, there are times when a patient’s behavior may compel a physician to consider ending the relationship. Physicians must balance their ethical obligations with protecting their practice from potential liability, as improper termination can lead to abandonment claims and […]

With the growing demand for skilled physician’s assistants (PAs), comprehensive malpractice insurance has become more important than ever. Similar to physicians, PAs require liability insurance to protect against malpractice claims. But, unlike physician coverage, physician’s assistance medical malpractice policies have unique considerations including specialized rate structures, policy nuances, and specific tail coverage requirements that directly […]

Plaintiff attorneys and healthcare/business leaders in Colorado recently filed competing ballot initiatives that will ask the state’s voters to decide in November the amount of recoverable damages in catastrophic injury and wrongful death lawsuits, whether certain records are accessible in medical malpractice litigation, whether to cap attorney fees at 25% of recovered damages, and whether […]

A bill that would end a Florida law denying recoverable damages for certain wrongful death medical liability claims and impose noneconomic damage caps on medical malpractice awards cleared a key hurdle last month when it was approved by the state’s Senate Judiciary Committee. Florida Statute §768.21(8) currently restricts the recovery of damages in wrongful death […]

New York Gov. Kathy Hochul vetoed for a second time the Grieving Families Act (GFA), a bill that would have expanded recoverable damages in wrongful death claims to include noneconomic damages. Under the current 177-year-old law, compensable damages in wrongful death actions are limited to economic loss only. New York and Alabama are the only […]

Peace of mind is important when you’re caring for patients. Medical malpractice insurance protects you from lawsuits alleging negligence or mistakes, but understanding the details of your policy is crucial. Let’s delve into policy limits, and the maximum amount your insurance company will pay for a lawsuit against you. Breakdown of Policy Limits: Think of […]