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Most malpractice premium increases come from book-level severity and reinsurance, not from a claim on your own file. Venue, roster growth, specialty class, and loss history can add a file-specific layer on top of the market cycle.
A mature claims-made $1M/$3M medical malpractice policy usually costs about $5,000 to $250,000 or more per physician per year. Specialty and county explain most of the range.
You would never accept a diagnosis without asking questions. You would never sign a surgical consent without understanding the procedure. So why do so many physicians sign a malpractice renewal -- the insurance that protects their entire career -- without asking a single question?
You have signed the lease. You have hired your first staff member. You are about to see your first patient as an independent practice owner. But before you do: do you actually understand what is in your malpractice policy? Most new practice owners do not. Here is everything you need to know.
Quick test. Can you name your malpractice broker? Not the company. The person. The human being who is supposed to be managing the insurance that protects your career, your savings, and your practice. If you cannot, you are not alone. And that is a problem worth examining.
Sachdev Orthopaedics was with the same malpractice carrier for 22 years. Twenty-two years of premium increases. Twenty-two years of the same broker sending the same renewal notice. When they finally switched, the process took less than three weeks. Coverage never lapsed. The practice did not miss a beat. Here is how switching malpractice insurance carriers actually works.
When reading turns into action
A free coverage review gives your practice a clearer view of its current coverage, insurer options, and renewal path.
Sheltra learns how your group is structured, what has changed, and where your current renewal needs a closer look.
Your coverage is taken to market so multiple insurers can compete for your practice rather than relying on one renewal option.
See the tradeoffs, understand the switching path, and move forward with support for the details that follow.