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Phone: 856.692.7702
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FAQ's & Info

Q: Important Questions a Health Care Provider Should Ask

Why is the insurance carrier selling malpractice insurance in this state?
Is the insurance carrier licensed and admitted in this state?
How long has the insurance carrier been operating in this state?
Has the insurance carrier ever left this state for any reason?
Is there a capital contribution (“Buy-in” or “Capitalization”) requirement to become a policyholder?
How many healthcare providers does the insurance carrier currently insure in this state?
How many medical malpractice cases has the insurance carrier closed in this state?
How many of its closed cases did the insurance carrier win?
Is the insurance carrier insured through reinsurance?
Is the insurance carrier’s reinsurance through a separate business entity?
Can the insurance carrier settle my claim without my consent?
In the event of a claim, will I have input as to my legal representation?
Does the insurance carrier utilize independent insurance brokers/producers?
What types of insurance coverage does the insurance carrier provide?
Does the insurance carrier offer the same type of policy I have currently?
Does the insurance carrier offer both Occurrence and Claims Made policies?
What are the requirements when purchasing tail coverage on a Claims Made policy?
Would I be subject to assessments due to the insurance carrier’s reserve inadequacies?
Will I have access to the insurance carriers’ decision makers?
What options are available if I disagree with the insurance carrier’s decision?
Does the insurance carrier charge additional fees for claims services or risk management services?
Will the insurance carrier cover my locum tenens?
What are the restrictions for physicians that practice outside of the state in which coverage is requested?
Do I have access to the insurance carrier’s financial information any time?
What is the insurance carrier’s expense ratio?
What is the premium to surplus ratio for the carrier under consideration?

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*The information found within this website is not deemed to be complete for every situation and is not a substitute for professional legal or insurance advice. It is an overview of some of the more common insurance terms and scenarios that may arise in certain instances regarding Medical Professional Liability insurance. The examples and models set forth in this website are for illustrative purposes only; to address specific concerns, please contact PLIG of SJ. Please be advised that you should always consult with the appropriate professionals to fully evaluate your individual situation as it pertains to insurance coverage. No reliance should be placed on the information contained on this website unless independently verified by PLIG of SJ. PLIG of SJ cannot, and does not, offer legal advice of any kind.

PLEASE NOTE: The Professional Liability Insurance Group of South Jersey is licensed in the state of New Jersey only and any and all content found within this website are intended solely for viewers who are licensed Health Care Providers in the state of New Jersey.

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