What Is a Medical Malpractice Insurance Broker?

A medical malpractice insurance broker is your advocate in the insurance world. Unlike agents who represent one company, brokers work independently - on your behalf - to find coverage that fits your unique situation.

We don’t work for an insurance carrier. We work for you.

That means we’re not here to push a single product. Our job is to assess your practice details, risk profile, and goals - and then match you with options from multiple A-rated malpractice insurance carriers. Whether you’re in private practice, part of a medical group, or working locum tenens across multiple states, a broker helps you compare the market and avoid coverage gaps you might not see on your own.

Good brokers bring clarity to complex decisions - especially when you're switching jobs, expanding a practice, navigating prior claims, or planning for tail coverage. It’s about more than just getting a malpractice insurance policy. It’s about getting the right strategy behind it.

Do Brokers Help With Claims, Renewals, or Policy Changes?

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.

Claims Support:
If you’re involved in a malpractice claim, your first call should always be to your insurance carrier. They manage the process directly, including defense, investigation, and legal strategy. Brokers are not involved in claims handling - but we can help you understand what to expect, how your coverage applies, and who to contact. Think of us as a point of clarity - not a replacement for your insurer’s claims team.

Renewals & Adjustments:
As your practice grows or changes, your policy should too. We’ll review your coverage annually, reassess your risk profile, and compare market options if a better fit emerges. Whether you're expanding, relocating, or making any other adjustments, we’ll help you make informed decisions without the paperwork headache.

Career Transitions & Tail Coverage:
From leaving a group practice to retiring, major changes often require tail coverage for a claims-made policy. We help doctors evaluate options and navigate transitions to avoid gaps in protection - without overpaying.

Additional Benefits of Working With a Medical Malpractice Insurance Broker

Here’s how a broker adds value beyond the quote:

• Streamlines the Process
  Instead of submitting separate applications to every carrier, a broker can typically use one recent application to request initial quotes from multiple insurers. That means less paperwork - and less time away from your patients.
• Highlights Gaps Before They Become Problems
  From overlooked retroactive dates to missing tail coverage, small details can carry big consequences. A broker helps flag inconsistencies or misaligned limits early in the process.
• Brings Specialty-Specific Knowledge
  Each specialty carries its own risks - and not all carriers price or cover them the same way. Brokers understand these nuances and help match you with the right carriers based on your practice profile and state requirements.
• Supports Both Straightforward and Complex Cases
  Whether you're early in your career, transitioning to a new role, or managing past claims, brokers can access both standard and non-standard markets to find solutions that fit your situation.

Healthcare Professionals We Serve

Whether you’re in private practice, part of a group, or just starting your career, our brokerage is built to meet doctors where they are. We work with physicians and surgeons across a wide range of specialties and practice settings.

Clients We Serve:

• Solo Physicians – including early-career doctors and independent practitioners
• High-Risk Specialists – OB/GYNs, neurosurgeons, orthopedic surgeons, general surgeons, plastic surgeons, anesthesiologists, and beyond
• Physicians with complex risk profiles or prior claims

• Medical Groups – from small partnerships to multi-state practices
• Locum Tenens Providers – tailored coverage for flexible, short-term assignments
• Telemedicine & Concierge Practices – addressing unique risks in personalized and virtual care settings

How a Broker Helps With Complex Cases

Not every doctor fits neatly into a standard application. If your situation involves prior claims, board actions, or unique practice structures, navigating malpractice coverage becomes more nuanced - this is where having a broker on your side becomes especially important.

At DrsCoverage, We Can Help You Navigate:

• Prior Claims or Licensing Issues
  We help physicians with past claims or board investigations present their application clearly, aiming to reduce the likelihood of misunderstandings during underwriting.
• Excess and Surplus (E&S) Markets
  If standard carriers won’t provide coverage, we access non-admitted insurers that specialize in high-risk cases. These markets often require deeper underwriting - and a broker can help you understand what's needed and coordinate the submission process.
• Switching Carriers Without Losing Retroactive Coverage
  When changing carriers, we help assess whether prior acts coverage is available or if tail insurance is the better fit - so your coverage remains continuous and aligned with your history.
• Multi-State Licensing or Telemedicine Practices
  Each state has different requirements. Whether you practice in-person, virtually, or both, we identify policies that align with your license footprint and state-specific laws.
• Practice Transitions
  Buying or selling a practice? Merging with another group? Expanding into a new location? We help coordinate insurance transitions that don’t leave you exposed in the process.

How We Help You Secure Quality Coverage - Without the Runaround

We know that insurance can feel like a chore - but it doesn’t have to. Our process is designed to be efficient, transparent, and tailored to the way doctors actually work. Here’s what to expect when you reach out.

Step 1: Start with a Consultation or Quote Request

Whether you’re shopping for a new policy, switching carriers, or just comparing options, everything starts with a quick consultation. You can also fill out our quote request form to begin the process right away.

We offer flexible scheduling - including lunch hours, early evenings, and Saturdays by request - to accommodate physicians with demanding clinical schedules. Whether you're between patients or wrapping up for the day, our team makes it easier to connect when it works for you.

Schedule your time here.

Once you connect with your DrsCoverage broker,  you will have direct access to them for future communication.

Step 2: Submit a Recent Application (or Use Ours)

To get accurate quote indications, we typically need a recent malpractice insurance application - usually one you've already completed for your current or previous carrier. If you don’t have one, we’ll guide you through filling out our own.

We use this application to gather the core details underwriters need:

• Specialty and procedures
• Claims history
• Practice locations and states
• Desired limits and coverage structure
• Group vs. solo practice
• Current or past retroactive date

If anything has changed since that recent application, that information can be added to the application.

Step 3: We Go to Market

Using your application, we approach multiple A-rated carriers to gather competitive quotes that fit your specialty, practice setup, and risk profile. We’ll walk you through how they differ - including policy terms, pricing, tail coverage options, and carrier reputation.

Step 4: You Choose the Quote - We Handle the Paperwork

Once you’ve selected the quote you’d like to move forward with, we’ll guide you through the specific carrier application and required documents, which may include:

• Signed and completed carrier application
• Updated CV and license(s)
• Claims history / loss runs
• Practice affiliations or group contracts
• Retroactive date confirmation

We’ll also help clarify any underwriting questions that may come up along the way.

Step 5: Bind Coverage

Once all underwriting subjectivities are satisfied and the final documents are approved, you’ll sign the coverage agreement and submit payment. Only then is the policy officially bound and active - with confirmation provided directly from the carrier.

FAQs About Working With a Broker

Q: Will I pay more using a broker?
No. Most medical malpractice insurance brokers are compensated by the carrier, not the client. That means your premium stays the same whether you go direct or work with a broker.

Q: Can a broker help me with tail coverage or prior acts?
Yes. If you're switching jobs, retiring, or moving between claims-made policies, a broker can walk you through tail insurance options or help you explore prior acts coverage with your new carrier.

Q: Do brokers help during the claims process?
While your carrier handles the claim directly, a broker can help you understand what to expect and walk you through the next steps. We often act as a second layer of support - especially if there are concerns about renewals or future insurability.

Q: How do brokers compare insurance quotes across carriers?
We work with multiple A-rated carriers and submit your application to those best matched to your specialty, location, and risk profile. This allows us to present a range of options - without you needing to fill out multiple applications.

Q: Can brokers help me switch carriers or move to another state?
Absolutely. Whether you're relocating or expanding your practice, a broker can help assess state requirements, preserve your retroactive date, and coordinate new coverage.

Q: Do I need a broker if I’m just getting started?
Even if you’re early in your career or joining an employer with coverage, it’s worth having a broker in your corner.  Especially if you’re getting your own coverage or reviewing an insurance policy provided by an employer. A broker can help you understand what’s included, what may be missing, and how it compares to other options on the market. We offer guidance early on to help you identify gaps, and plan ahead - so you’re not caught off guard later.