When it comes to medical malpractice insurance, one-size-fits-all doesn’t work - especially for doctors navigating career shifts, complex risk profiles, or high-stakes specialties. That’s where working with a licensed insurance broker can make the difference.
A medical malpractice broker doesn’t just connect you with policies. A licensed broker can serve as a strategic partner - helping evaluate your risk, compare carriers, and secure coverage that aligns with your specialty, your state, and your stage of practice. Whether you're opening a new practice, leaving a hospital position, or preparing for retirement, working with the right broker brings clarity to a complicated decision.
This page explains what brokers do, how they differ from going directly to a single insurance company, and why many physicians prefer to work with a broker to save time, avoid coverage gaps, and make informed decisions about their protection.
What Is a Medical Malpractice Insurance Broker?
A medical malpractice insurance broker is an independent, licensed professional who works on your behalf - not the insurance carrier’s. Their job is to help you find coverage that fits your needs and circumstances, without being tied to one company’s offerings.
Licensed brokers assess your practice profile, claims history, and coverage goals - then compare options from multiple A-rated carriers to help you make an informed decision. Whether you’re in private practice, employed on a 1099 basis, or handling multi-state locum tenens work, a broker can help you navigate the market and avoid policy gaps that might otherwise go unnoticed.
Working with a broker isn’t just about finding a policy - it’s about building the right coverage strategy behind it.
Many physicians assume a broker’s job ends once the policy is in place - but a good broker remains a long-term resource as your needs evolve.
That said, it’s important to understand where brokers step back - and where your insurance carrier steps in.
Renewals & Adjustments:
As your practice evolves, so should your coverage. Brokers often help review policies at renewal time, reassess your risk profile, and explore the market for better-fitting options if needed.
Career Transitions & Tail Coverage:
Major career changes - like retiring or leaving a group practice - often trigger the need for tail coverage under a claims-made policy. A licensed broker can help you understand your options and secure the right protection as you transition.
Going directly to an insurance company may seem quicker - but it often limits your options.
A broker works independently, with access to a wide range of carriers. That gives you the opportunity to:
Most physicians don’t have the time or desire to dig into coverage language or compare multiple carriers side-by-side. A broker helps streamline that process and provides guidance aligned with your goals - especially important if you work in a high-risk specialty, have prior claims, or practice in a unique care model like concierge or telemedicine.
Get Started - Your Way: You can schedule a consultation with a licensed insurance broker to discuss your needs, request a quote to begin the process (a recent carrier application may be used to help streamline turnaround), or email with any questions. A licensed broker is available to assist you.
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