Professional Liability & Malpractice Insurance Agency Based in Arizona

Malpractice Insurance | Errors & Omissions

We understand the demand that is associated with the medical professional services Physicians and their staff provide. Therefore, we provide our clients unsurpassed customer service. Our malpractice insurance services include an evaluation of your current professional liability insurance coverage, comprehensive results from our research of medical professional liability insurance companies and medical malpractice insurance policies in Arizona and beyond, options in professional liability coverage as well as the assistance in helping you select the appropriate professional liability policy to meet your unique medical practice needs. Our service will allow you to focus on what you do best. Our corporate office is located in Scottsdale, Arizona and we have satellite offices and licensing held in many other states nationwide including California, Nevada, and Colorado.

Click the link below that most accurately fits your credentials. If you do not see an appropriate match,
please give our office a call at (480) 348-2200 and we will assist you. 

What's the difference between Professional Liability and Malpractice Insurance?

The terms medical professional liability insurance and medical malpractice insurance can and will be used interchangeably. There is no difference between the two terms. Medical professional liability insurance or medical malpractice insurance is a type of casualty policy purchased to protect many of the physician and licensed health care providers listed above. The policy will, at minimum, protect the named insured from claims related to direct patient care and the expense to defend them. However, the medical professional liability policy is very complex and extremely important to your practice.

A medical professional liability insurance policy can have many coverage components and these components can vary from policy to policy and company to company. Therefore, when a physician, healthcare provider or administrator is looking to purchase a new errors & omissions policy or renew an existing policy, it is important to partner with an experienced Arizona medical malpractice insurance professional who can guide you through. Click below to call us today or get a free quote.

Think about this:

You just found out you can acquire the malpractice insurance policy you need, but it may be with a non-admitted carrier. What does that mean? Should this be a concern? Although the term may imply coverage with a "lesser" carrier not stable enough to handle your malpractice insurance risks, this is not always the case.

Desert Mountain Insurance Services has access to many nationwide and local admitted professional liability carriers and will always approach those carriers first when seeking professional liability coverage. However, when an applicant does not meet the admitted carrier's underwriting guidelines we then have many non-admitted carriers to work with and obtain a quote.

Admitted Professional Liability Carrier

An admitted medical malpractice insurance carrier follows guidelines set forth by the Department of Insurance in that state. These carriers are required to file their policy forms, underwriting guidelines and rates with the Department of Insurance in the state(s) they are offering coverage and obtain approval. These carriers cannot deviate from the approved forms, guidelines and rates. In addition, admitted carriers are also part of the state guarantee fund which provides protection for policyholders in the event their carrier becomes insolvent.

Non Admitted Professional Liability Carrier

A non-admitted medical malpractice insurance carrier does not have to file their forms, guidelines and rates with the Department of Insurance. These carriers retain flexibility to price each risk according to it's specific exposure, including procedures, practice type, past claims and board issues. Without non-admitted carriers, potential high loss risks, loss histories or specialty risks would be uninsurable. Non-admitted carriers are not part of the state guarantee fund.

We have done the research for you. Let us be your partner in protection.

What we do every day:

Working with Physicians, Dentists, Podiatrists, Chiropractors and other health care practitioners on their medical malpractice insurance is what drives our day. We strive to find comprehensive insurance solutions for medical offices, such as professional liability, business insurance, workers compensation, cyber liability, health insurance, errors & omissions insurance, as well as other protection that meets their needs.

When a new customer calls us to find professional liability insurance (aka: malpractice insurance), we immediately take action to determine their coverage needs. They may only require professional liability as they are an independent contractor or joining an existing group. However, for those that may be opening a new practice, looking for alternative options, or looking to expand the protection of their existing coverage, we have many solutions for them to consider.

Oftentimes, applicants will only consider one insurance company as their sole option. They may go directly to that insurance company. This can be a successful approach if their application is approved and coverage for all services and/or risks are met.

However, if you take this approach and receive a declination for malpractice insurance or any other coverage, what do you do now? Your time is limited and you need to complete the credentialing process and start treating patients.

In this exact circumstance, our experienced team of professionals would be able to obtain multiple quotes from multiple insurance carriers. We would be able to bind medical professional liability within one week of the initial phone call.