For medical professionals, choosing a malpractice insurance provider isn’t just about finding the right coverage—it’s also about choosing a reliable insurer. An “A-rated” insurance company, typically designated by independent rating agencies like AM Best or Demotech, represents a high level of financial stability and reliability. These ratings signal that the company has the financial resources […]

When faced with a medical malpractice claim, a physician’s most important line of defense is the medical record of their interactions with the patient. A properly maintained medical record system serves as a golden shield, providing evidence that the physician adhered to best practice standards throughout the patient’s care.  Conversely, a medical record altered after […]

Medical malpractice insurance provides essential financial protection for healthcare providers, covering legal fees and settlements in the event of a malpractice claim. However, when there’s a gap in this coverage, physicians may find themselves exposed to significant risks. Avoid Gaps In Coverage with Cunningham Group  What is a Gap In Med Mal Coverage? A “gap […]

Medical directors hold a unique role in healthcare settings, often overseeing clinical operations and providing guidance on medical procedures and policies. However, this responsibility comes with increased liability risks that are not typically covered by standard physician malpractice insurance. Medical director insurance is designed specifically to address these unique exposures, ensuring that physicians in these […]

The demand for weight loss procedures is growing, with Americans increasingly seeking solutions for long-term weight management, from bariatric surgeries to newer treatments like semaglutide injections such as Ozempic. The increased demand brings heightened risk: Complications can arise, results may vary, and patients’ expectations can often be misaligned with outcomes. That is why malpractice insurance […]

Physicians’ Reciprocal Insurers (PRI) launched EmPRO Insurance Company on September 15, 2020, to provide medical professional liability (MPL) insurance in New York. EmPRO, administered by PRIMMA LLC—PRI’s attorney-in-fact—aims to offer physicians a stable insurance solution, supported by PRI’s financial resources. Initially focused on New York, EmPRO has since expanded to cover additional states in the […]

If you’re not concerned about the possibility of your practice being RAC audited, you should be. And if you don’t currently carry Medical Billing Errors & Omissions Liability Insurance, now is the time to consider it. What is a RAC Audit? Established through the Medicare Modernization Act of 2003, the Recovery Audit Contractor (RAC) program, […]

Choosing an A-rated malpractice insurance company is key to protecting your medical practice. An A-rated insurer indicates strong financial stability, ensuring your insurer can cover large claims. This reliability is essential when facing potential liabilities, giving physicians peace of mind that their coverage provider is financially sound and capable of handling claims when needed. Why […]

A physician’s loss history plays a significant role in determining malpractice insurance rates. This history includes past claims or incidents, whether they resulted in settlements, judgments, or were dismissed. Loss history affects how insurers assess a physician’s risk level and can either increase or decrease premiums based on the frequency and severity of past claims. […]