Monthly Archives: June 2017

Get a Quick and Easy Online Dental Professional Liability Rate Indication


Click here to get a Quick and Easy Online Dental Professional Liability Rate Indication and apply for coverage.  

Insurance Innovations has partnered with Lone Star Alliance RRG.  Lone Star Alliance Risk Retention Group (LSA) is an A rated carrier by AM-Best.  LSA is able to provide flexible superior coverage for individual dental practices.  Our coverages are claims made or occurrence policies that are available in 48 states*.  All policy include cyber liability coverage which is needed in practices today.  Cyber liability coverage covers you for data breaches safeguarding patients’ protected health information (PHI).  Strong cyber security is an increasing important  business requirement in today’s health care environment.  Data breach threats are on the rise and can be potentially devastating to your practice and your clients, hence the need for cyber liability coverage. Quick and Easy Online Dental Professional Liability Rate Indication click here.

General Liability Insurance

General Liability insurance, sometimes referred to as GL can be added to your Dental Professional Liability insurance policy with Lone Star Alliance Risk RRG  (LSA).  GL  protects the professional from property damage, bodily or personal injury claims that can occur while conducting business.  This coverage is frequently carried along with other types of insurance.

Don’t forget to get your Quick and Easy Online Dental Professional Liability Rate Indication Today!  Click Here  for a Dental Malpractice Insurance rate indication.

If you have any questions you can call us toll free at 888-871-9096 Ext 5193 or visit our website at

* not available in Wisconsin or New York  


Physicians Malpractice – Expect the Best

Physician Malpractice


Physicians Malpractice – Expect the Best

What every physician hopes for, when stepping into a room to see a patient, is the best possible outcome for that patient.

Family Medicine and Internal Medicine Physicians often form long-term and trusting bonds with patients and their families, yet are the two specialties most often sued for physician malpractice.1

More than 42 percent of all U.S. physicians, including surgeons, have been sued for malpractice during the course of their careers and nearly three quarters of physicians who were named in a physician malpractice suit said they were astonished to learn that they were being sued.2

More than 42 percent of all U.S. physicians, including surgeons, have been sued for malpractice during the course of their careers

The emotional toll of a malpractice suit can be high. When a physician gets the dreaded call or subpoena saying that they have been named in a suit, they often experience high levels of stress and anxiety, question their competency, judgement and decision making skills, and may even treat their patients differently.

Medical Malpractice InsuranceIt’s difficult not to take a malpractice suit personally. Family Practice and Internal Medicine physicians often see a high volume of patients, which, in part, may account for the higher volume of malpractice suits. Their patients are often chronic, with limited treatment options. It helps to remember, “that litigation is about compensation, not competence, that those who are sued are often the best in their field, working with sick and high-risk patients, and that most physicians are eventually vindicated.3

Whether a physician malpractice suit is settled out of court or goes to trial, the process can take months or years to resolve. Having a good support system and establishing a good rapport with an insurer can reduce the stress and anxiety that is created by a malpractice suit.

… litigation is about compensation, not competence, that those who are sued are often the best in their field, working with sick and high-risk patients, and that most physicians are eventually vindicated.

Because a physician’s reputation is at stake, most physicians feel that settling a malpractice suit carries a subtle admission of guilt. The majority of physicians report that their insurers reviewed their cases, worked with them, and did not require them to settle. About 25 percent of physician malpractice suits were dismissed prior to depositions but nearly half of the cases went to depositions while 21 per cent went all the way to trial.4

While most physicians say they were blindsided by their malpractice suits, many say that  they have learned to trust their instincts when they see a “red flag.” Following up with a patient, even if it is not absolutely necessary, documenting more often, documenting more thoroughly and discharging rude, demanding and non-compliant patients can help reduce the risk of malpractice suits.5

On the bright side, most physicians report the best possible outcomes after a suit has been resolved. They  report that the results of their malpractice suit were fair and that colleagues were supportive  both during and after the suit was resolved. They say that their patients were either   not aware of the suit or didn’t mention it and continued their relationship with the physician.

Fortunately, most physicians report no long-term emotional effects after resolution of their malpractice suit and still step into a room with a patient, hoping for the best possible outcome for that patient.

Doctors need a dependable and affordable insurance policy that can be trusted to protect their careers as well as their finances, so that they can concentrate on what they do best — treating their patients.

Please click here to  contact Insurance Innovations today to speak with a dedicated professional.

1 Kane, CK, Policy research perspectives: medical liability claim frequency: a 2007-2008 snapshot of physicians. American Medical Association. 2010
2 Journal of the American College of Surgeons Volume 213, Issue 5 , Pages 657-667, November 2011 Personal Consequences of Malpractice Lawsuits on American Surgeons
3 Western Journal of Medicine Coping with a medical Malpractice suit, Sara C Charles, Copyright 2001 BMJ Publishing Group.
4 Medscape Malpractice Report: The Experience of Getting Sued, Leslie Kane, MA, July 24, 2013.
5 Medscape Malpractice Report, July 24, 2013.
6 Medscape Malpractice Report, July 24, 2013

Malpractice Pitfalls for Dentist and Physicians

Dental Malpractice Insurance

Seven Common Malpractice Pitfalls for Dentist and Physicians

When a malpractice suit is filed against a Dentist or Physician, claims supervisors evaluate the case and all too often, claims are settled due to faulty communication and documentation practices.  These pitfalls both contribute to the circumstances that may have led to the patient’s injury and hinder the ability to effectively defend the doctor.  There is a great deal of overlap between these pitfalls because they mostly involve similar types of errors committed in different situations.


  1. Failure to Communicate with patients -Your communication skills are important to your patients’ satisfaction with your care and their perception of your professionalism and competence. The top three characteristics that patients rank as important in a 2009 survey was that their doctor pays attention to their concerns, is compassionate, and speaks in terms they can understand.  It’s important to listen to your patients.  Sometimes the doctor that is overworked , running behind schedule and struggling to catch up too often cuts the patient off before gathering the information needed to make a correct diagnosis.  Show empathy your patients want you to care about them as people.  When they’re suffering, they want you to show that you relate to their pain.
  2. Maintaining Illegible or Incomplete Charts – Never forget that the purpose of the medical chart is to provide for continuity of patient care and further more medical records are legal documents. Overtime you may have developed some time saving shortcuts when documenting charts just be aware that if these shortcuts diminish the quality of care you deliver, and if they result in a malpractice suit, the benefits of any shortcuts will be dwarfed by the consequences.
  3. Inappropriate Actions by Office Staff – It is important to remember that you can be held vicariously liable for patient injuries resulting from actions by your staff or others that you supervise.  Even experienced, trusted employees with the best intentions will sometimes expose you to liability by overstepping their roles. Define your staffs duties in writing.  Practices are advised to have a printed manual that defines job descriptions for each position as well as practice policies and procedures.
  4. Failure to order or follow up on Test Reports – You have a duty to read and follow up on any tests you order.  Remember that you are responsible for following up on tests results. A common source of malpractice claims is the failure to keep track of test and consultation reports.  If you do not have a tracking system in place, a significant report will eventually slip through the cracks.  A difficult situation is created when patients are told that they will only be contacted if their test results are abnormal.  If a report is lost or misfiled, the patient is left to assume that “no news is good news”.
  5. Failure to refer, track referrals and communicate with the Referring Physician – All doctors need to put patient safety first.  When you refer a patient, you should forward the medical records or at least a narrative summary of the salient information.  But simply arranging for the patient to be seen by a specialist does not mean you have made an effective referral.
  6. Prescribing Medications Inappropriately – At least 1.5 million patients are injured every year by medication errors, according to a study by the National Institute of Medicine.  Of the many types of medication errors, those that can be difficult to defend involve patients who suffer a catastrophic reaction to a drug to which that was a known allergy. Drug allergies should be posted prominently on the chart and reviewed before before prescribing.  Prescribing decisions should be carefully considered.  Known allergies aside, patients can suffer from unpredictable adverse drug reactions under a variety of circumstances.  Drugs most frequently involved in medication error claims are narcotic analgesics.  This is due, in part, to changes in physician attitudes toward prescribing opioid pain relievers.
  7. Obtaining and documenting informed consent – Informed consent is an extension of the doctrine of patient autonomy, which holds that the patient has the right to decide what is done to his or her body, including the right to refuse life-saving treatment.  While a patient’s consent is required it does not have to be written in all circumstances  but the absence of it may lead to legal presumption that the patient did not consent to treatment.  Therefore it is to your advantage to obtain written consent whenever possible.

Very little of the above information and suggestions should come as a surprise to you.  All of the pitfalls are lapses in what should be standard communication and documentation practice in every medical practice.

Do you need a malpractice insurance policy click here or call 888-871-9096 Ext 5193 for a quote?

 All contents provided here are for informational purposes only. The owner of this blog makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site.  Always consult your legal counselor or adviser as to the suitability of using this information in your business or practice.