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 a broker makes the difference.
A medical malpractice insurance broker doesn’t just connect you with policies. We work as a strategic partner - evaluating your risk, comparing carriers, and helping you 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, the right broker brings clarity to a complicated decision.
This page breaks down how brokers work, how they differ from going directly to an insurance company, and why the right broker can save you time, help protect your finances, and support your long-term career goals.
A medical malpractice insurance broker is your partner 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 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.
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.
When it comes to medical professional liability insurance, going directly to a single carrier might seem faster - but it often means possibly missing out on better options.
A broker works independently, with access to multiple A-rated carriers - not just one. That gives you the ability to:
Most doctors don’t have the time to shop around, let alone analyze the fine print of policy exclusions, tail provisions, or defense cost structures. A broker simplifies the process and gives you a more complete picture of what’s available - and what’s at stake.
This is especially important if you're in a high-risk specialty, have prior claims, or operate a non-traditional practice model like telemedicine or concierge care. The wrong policy - or a missed detail - can cost far more than a premium.
With a broker, you’re not just getting a quote. You’re getting strategic guidance from someone who understands the coverage landscape - and works for your best interest, not the carrier’s.
Here’s how a broker adds value beyond the quote:
This is one of the most common questions doctors ask - and the answer surprises many.
Most brokers don’t charge a fee when helping you find a policy.
Brokers are typically compensated by the insurance carrier through a commission that’s already built into the premium. Whether you go direct or use a broker, the premium is usually the same.
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.
You can schedule a consultation with a licensed broker or request quotes whenever you’re ready. If you have a recent application or renewal packet, feel free to send it over - it usually helps us get initial indications more quickly. A DrsCoverage broker is available to help at any point in the process.
(3).svg)