Admiral Insurance Group is proud to offer our comprehensive coverage for Physicians, Surgeons, and Dentists in varying degree of risks.
What’s at Risk
Physicians, Surgeons, and Dentists face a great deal of risk due to the delicate nature of their work. Regardless of their specialty, each one of your Physicians need proper coverage to make sure they are sufficiently protected.
Our Solution
Admiral’s extensive and unique coverage is tailored specifically for Physicians, Surgeons, and Dentists, whether their practice is standard or not. Our enhanced form provides more than 30 distinct built-in enhancements, as well as optional endorsements to provide a custom solution that meets the needs of each specific risk. Our national wholesale broker experts can assist retail agents and their customers with the exact coverages needed.
Physicians Coverage Solutions
Learn more about Admiral’s Physicians coverage, including coverage capabilities and sample classes.
Coverage Capabilities
- Primary coverage:
- $5M each claim/$25M aggregate limits
- $0 Deductibles available
- Extended ERP’s available
- Ability to have defense outside
- DDR available
- Broad definition of Insured
- HIPPA coverage available
- Admin defense coverage
- Part-time credits available
- Locum tenens coverage
- Consent to settle with hammer
- Good Samaritan coverage
Sample Classes
- Hard-to-place Physicians, Surgeons, and Dentists
- Telemedicine
- Aesthetic procedures
- Moonlighting services
- Standalone Medical Director
- Physicians performing IME or consulting work
- Alternative medicine
- Clinical investigators
- Other non-direct patient care or treatment exposures:
- Expert witness
- MMJ evaluations
Loss Control and Risk Management Services
Provided by OmniSure Consulting Group
- Professional guidance through confidential helpline support and telephonic consultation
- Complimentary access to ProPLUS level membership to OmniSure’s RiskFit® program
- Quick tip videos, toolkits, and eRisk alerts to keep you on top of emerging risks
Download the Physicians Coverage Brochure
Frequently Asked Questions
When does a physician need E&S malpractice insurance instead of admitted coverage?
Physicians leverage E&S coverage when admitted markets decline due to specialty, claims, or licensing factors. The E&S market also provides the flexibility physicians need, including carve-out coverage or protection for innovative treatments and evolving care models.
What types of physicians typically require E&S malpractice insurance?
Physicians who typically require E&S malpractice insurance include those practicing in higher-risk specialties, operating in non-traditional or emerging care models, or working within complex organizational or operational structures.
Additionally, the E&S market is able to accommodate a wide range of physician risks, offering customized, flexible, and scalable solutions that are often not available through the admitted market.
Does E&S malpractice insurance cover professional negligence claims?
Yes, Physicians E&S malpractice insurance is designed to respond to allegations of professional negligence arising from medical services. Coverage is structured to align with the physician’s specialty and scope of practice, with policy terms tailored to the specific risk profile.
Are defense costs included in physicians E&S coverage?
Defense costs are typically included in Physicians’ E&S malpractice coverage, depending on the policy’s terms and structure. Whether defense expenses are applied within the policy limits or in addition to them varies by account and the coverage design.
Can E&S coverage insure physicians with non‑traditional practice models?
Yes, E&S malpractice coverage is well-suited for physicians operating in nontraditional or evolving practice models, including unique ownership structures, expanded service offerings, or innovative delivery methods that don’t align with standard market templates.
Does E&S malpractice coverage apply to locum tenens or moonlighting physicians?
Yes, E&S malpractice coverage can be tailored to include locum tenens and moonlighting physicians, offering flexible solutions that adapt to varying practice arrangements and exposures.
Does Admiral provide dental malpractice insurance through the E&S market?
Yes, Admiral delivers specialized, flexible malpractice solutions for dentists and dental practices combining deep underwriting expertise with a broad risk appetite. Our coverage is designed to scale with your practice, supporting everything from routine care to advanced procedures in an evolving dental landscape.
What types of dental practices are typically placed with E&S carriers?
Typical dental practices that are placed with E&S carriers range from traditional healthcare settings to evolving delivery models like Dental Services Organizations (DSOs).