01
Coverage that reflects the practice today
Entities, providers, locations, specialties, procedures, and recent changes should be clear before coverage is placed or renewed.
Medical malpractice insurance
for physician groups
Compare the policy, carrier, and premium—not just the renewal number.
Sheltra helps independent groups compare coverage, carriers, and premiums with claims and renewal support.
Book a free coverage review
Start with a 7-minute call about your current policy, practice, and renewal.
A more complete coverage decision
The right policy has to fit the practice behind it.
Medical malpractice insurance should reflect who provides care, where the group operates, what the policy covers, and how support works when something changes.
02
Policy terms worth comparing side by side
Limits, coverage form, retroactive dates, defense terms, endorsements, and carrier fit matter alongside the premium.
03
Support before and after the renewal
Claims questions, certificates, roster updates, policy changes, and insurer communication should have a responsive path throughout the year.
How the coverage review works
Review the policy. Compare the market. Protect continuity.
Sheltra reviews the current policy and practice structure, then organizes a broader carrier comparison when it is useful.
Review the current policy and practice
Start with the carrier, limits, coverage form, retroactive dates, entities, locations, provider roster, and renewal timing.
Compare appropriate insurer options
When a broader market check makes sense, Sheltra can approach 5+ A-rated insurers and organize the terms for comparison.
Make the decision with continuity clear
Understand the tradeoffs, transition requirements, and next steps before changing a carrier or policy structure.
Independent groups that put their coverage in context
We only work with A-rated insurers
Sheltra compares malpractice coverage across multiple established insurers, helping independent physician groups evaluate more than a single renewal option.
Questions before a review
A clearer starting point for malpractice coverage.
Book a free coverage reviewWhat should a physician group compare besides premium?
Compare the entities and providers included, limits, coverage form, retroactive dates, defense and consent terms, endorsements, carrier fit, claims support, and the path for keeping coverage continuous if you change insurers.
What is the difference between claims-made and occurrence coverage?
Occurrence coverage generally responds based on when the event occurred, while claims-made coverage depends on when the claim is made and the policy's retroactive and reporting terms. The specific policy language controls, so the current forms and dates should be reviewed directly.
Can Sheltra compare multiple malpractice insurers?
Yes. When a broader market check makes sense, Sheltra can organize submissions to 5+ A-rated insurers, compare the returned terms, and help the practice understand the tradeoffs.
What should we have ready for a coverage review?
Your current policy and renewal date are useful starting points. A current provider roster, named entities, locations, procedures, and recent practice changes can help clarify what the coverage needs to reflect.
Your next renewal does not have to be a black box