Category Archives: Insurance Innovations

This category includes news about cutting edge improvements or innovations within the insurance industry that will impact the customer.

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.

Good Dentist Office Communication

Good dentist office communication begins with clear and frequent conversations between the dentist and their staff. Good communication is essential from a risk management perspective.  You should establish communication procedures that promote efficient transmittal of information. This prevents messages that can be overlooked or misinterpreted. You want to create an atmosphere in which your staff is quick to ask questions if they don’t understand your instructions. It is important to identify the needs of your staff and express your needs. Frequently scheduled staff meetings improve communication and resolves problems.

Good Dentist Office Communication begins with proper phone handling

Phone calls to your office are the patient’s first contact with your practice. Initial phone calls create the patients first impression of the dentist.  Below are some points to communicate to your staff.

  • Instruct your staff to never diagnose or prescribe medications over the telephone.
  • Remind your staff to act well within their professional boundaries.
  • Information such as patient visits, who handled the treatment, and services rendered should only be given out to the patient.
  • Good dental office communication should have a  written priority list for how phone calls are to be handled.  When a call should be put through immediately to you i.e. emergencies (both when you’re in the office and when you’re out of the office). You can instruct your staff that non-emergencies, routine prescriptions and non urgent patient reports can be returned when you have time.  Most of the time your staff should be able to handle calls regarding patient appointments, insurance claims, fees or billing questions.
  • It is best if you rehearse common scenarios with your staff like some frequently asked questions.  Your staff should be instructed to avoid putting a patient on hold. Try to make sure they never come across as bored or annoyed.  Let the patient describe the situation they are calling about.  When they take a message – it should be detailed and precise.
  • Provide the basic tools, telephone log and message pads with a place for the date, time,  phone numbers, name of patient, and nature of the call.  Let your staff know what constitutes an emergency –  i.e toothache, chipped or broken tooth, knocked out tooth, etc.
  • List of frequently needed telephone numbers should be easy to find such as hospitals, referring dentists and pharmacies. You should have a private intercom system or hold button to allow your staff to speak with you in private without the caller or others overhearing.
  • CLICK HERE for an instant quote for your dental professional liability insurance.                                                     Or CONTACT US at 888-871-9096 Ext 5193.

Dentists-Do you have Cyber Liability Coverage?

Errors and Omissions Insurance Quotes

Does your Dental Professional Liability Insurance have Cyber Liability Coverage?

Because dentist hold sensitive patient and employee information on their networks and in their billing records, they are at great risk for network security and privacy-related exposures.  Due to the potential for high cost from these exposures the dentists need Cyber Liability Coverage.

Cyber Liability covers a number of different components:

Security and privacy liability covers third party claims arising out of the failure to prevent unauthorized access of the use of private information, including identity theft and breach of privacy for both online and off-line information. Examples include the inadvertent transmission of malicious code or a virus to another’s computer system or potential lawsuits from credit card or health insurance companies.

Privacy regulatory defense and penalties insurance covers defense costs, fines, and penalties incurred defending regulatory investigations or privacy or security breaches.  Examples include HIPPA and HITECH violations, or a state attorney general or Federal Trade Commission action regarding the breach of security and privacy of information.

Privacy breach response costs, patient notification expenses, and patient support and credit monitoring expenses insurance covers payment of all reasonable and necessary costs to notify third parties (e.g., patients) that their private medical information has been breached or compromised.  This coverage includes legal fees, notification costs, public relations expenses, IT forensic costs, call center, advertising, and postage costs.  The cost of credit monitoring services are limited to 12 months from the date of enrollment in such services.

Network asset Protection covers all reasonable and necessary sums required to recover and/or replace data that is compromised, damaged, lost, erased, or corrupted.  Coverage also includes business interruption and extra expense coverage for income loss as a result of the total or partial interruption of the policyholder’s computer system.

Multimedia liability provides coverage for both online and off-line claims alleging copyright or trademark infringement, libel or slander, advertising injuries, and plagiarism.

Cyber extortion pays for a cyber extortion threat.  This would involve a party demanding cyber extortion monies or else it will, release confidential information of a third party, introduce malicious code, corrupt, damage or destroy the policyholder’s system, restrict or hinder access to system, including a denial of service attack or electronically communicate with patients or customers-claiming to be the physician or entity-to obtain personal confidential information.  This coverage pays cyber extortion expenses, but such expenses can only be incurred with the Trust’s consent (funds paid with Trust’s consent to terminate the threat).

Cyber terrorism coverage pays for acts of terrorism, meaning a use of force or violence for political, religious, ideological, or similar purposes, including the intent to influence a government or put the public in fear.  This coverage pays for income loss, interruption expenses and/or special expense.

For a Dental Professional Liability policy that includes Cyber Liability coverage Click Here   

Even Good Dentist Needs Dental Malpractice Insurance

Dental Professional Liability Insurance

A dentist in Illinois was sued, after the 92-year-old patient she was treating, swallowed a universal dental driver, that lodged in the patient’s stomach. The suit states that the patient had X-rays, a CT scan and two endoscopies at a local hospital, after leaving the dentist’s office. The instrument was removed, but the lawsuit continues.

The dentist has been in practice since 1979, without any disciplinary action ever taken against her, according to the Illinois Department of Financial and Professional Regulation.

We understand how painful and traumatic the experience was for the patient, but also how painful and traumatic this experience is for the dentist. Even the best, most caring dentists get sued, and not always for as dramatic an event as a swallowed dental tool.

Being named in a lawsuit, even if it’s unfounded, can have a devastating effect on a dentist resulting in second-guessing,  anxiety, and trepidation when working on subsequent patients.

More Complex Patients With High Expectations

dental malpractice insuranceDentists are seeing more complex patients, with increased underlying medical problems. Dental visits to Emergency Rooms in the U.S. increased from 1.1 million in 2000 to 2.1 million in 2010. Those visits don’t just put a strain on ERs, they put a strain on dentists. Patients who put off care and present at a dentist’s office, only after other avenues have been exhausted, often have problems that should have been addressed much sooner. The unrealistic expectations that some patients have, after getting a “quick fix” at the ER, can lead to complaints and claims.

Having Dental Professional Liability Insurance is Like Having a Safety Net

One of the reasons we so strongly recommend that dentists have dental malpractice insurance, is that we know having a policy in place, can reduce the anxiety if a claim is made against you . Being able to turn your case over to a defense team that works to protect your interests, can relieve much of the stress and mitigate the damages of a potentially costly and livelihood-threatening lawsuit.

Insurance Innovations Dental Malpractice Insurance

Insurance Innovations has been serving the medical community since 1999. We partner with leading insurance carriers to find you affordable Dental Malpractice Insurance that best suits your needs.

Click Here for an Instant Quote or contact Insurance Innovations today for your insurance needs: 888.871.9096.


Robert A. Faiella, DMD A Dentist’s View on Tackling the National Dental Health Crisis 10.02.2013
Dental Tool Lodged In Elderly Patient’s Stomach: Lawsuit « CBS Chicago

Managing Patient Complaints and Improving Satisfaction


The goal of most physicians and dentists is to have their practice operate efficiently.  But we all know patient complaints are inevitable.  Unfortunately not all patient complaints are handled correctly causing unfavorable consequences making complaint management a priority in all practices.


A patient’s positive view of their experience contributes to their satisfaction and overall experience. While there are many components to a patients satisfaction, their main concern is the relationship with their healthcare provider.  Patients count on the quality of care and trust from their dentists or physicians.

However a patients satisfaction also includes many other aspects of their appointments such as scheduling of their dentist appointment.  Or even the ease of parking at their physician’s office.  A patient may even notice how comfortable or inviting the physician’s office is.  But the most often complaints are made about how the patient feels about the way they were treated more than the medical skills of their dentist or physician.


For dentist and physicians offices this feedback is an opportunity to understand the patient’s experience and use the information provided as a means to strengthen and improve the practice and relationship with their patients. Most of the time complaints are made because the patient wants to speak with their healthcare provider for some kind of explanation, an apology, or reassurance.

Dealing with complaints is a powerful and different process for each dentist or physician.  If a complaint is dealt with promptly and effectively a dentist or physician can develop loyal patients, and improve patient outcomes.  Dealing with complaints can positively impact the overall performance of  a practice as well as reduce costs involved with handling complaints.  Well managed complaints reduce stress and staff turnover.  Dealing with complaints effectively can prevent these complaints from becoming formal legal claims.

Your can read the complete article on managing patient complaints here in the TMLT REPORTER

If you are looking for professional liability insurance we can help Click here for more information.

Dental Charts

Dental Malpractice Insurance Communicate



As we stated previously the purpose of the dental chart  is to document a patient’s medical history, describe the conditions requiring treatment, delineate the treatment options given to the patient, and record the treatment rendered details.  Your dental records should reflect the high quality of care you give your patients.



When maintaining dental charts, you should NOT do the following:

  • Never use “liquid paper” or “white out”.  Never scribble over, cut off, or in any other way obliterate a chart entry that has been made.
  • Don’t put in a chart subjective comments about the patient – i.e. “Patient is nuts”.  Instead, quote the patient’s words – i.e. patient said “I am from outer space”.  This will describe the behavior.
  • Don’t chart names without describing their function in relation to the patient’s future care such as chart “file separated, unable to seal canal-should see endodontist for file removal and finished rct-referred to John Smith, DDS for file removal.” Not “referred patient to John Smith”.
  • It is not necessary to chart information that is not pertinent to the future care of the patient.
  • A dental chart should not be filed until it has been checked for completeness.
  • Don’t release dental records without obtaining the patient’s written permission (or court order).
  • Never alter records after a suit has been filed.  Do not correct, clarify, add to, change, or modify an entry in any way.

When maintaining dental records, the patient’s chart should not include:

  • Criticism of care given by another dentist.
  • Communications with your insurance company or your attorney.
  • Communications with the patient’s attorney.

Maintaining accurate dental records is important to risk management.

  • Legal actions can take two to three years before they are heard in court making the patient’s chart a reliable record of the patient’s care.
  • If a legal action is a nuisance claim, accurate documentation can result in the dismissal of a nuisance claim.


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 advisor as to the suitability of using this information in your business or practice.


Attention Florida Physicians


Attention Florida Physicians, Insurance Innovations  can write your malpractice insurance. We have many carriers to choose from and one of these carriers is Physicians Insurance Company.   Physicians Insurance Company is nationally recognized as a preferred physician professional liability program.  Their goal is to provide broad coverage, stable competitive rates, unparalleled service and program discounts to preferred physicians. Because they only insure uniquely selected physicians, your premium dollars are not subsidizing high risk groups or individuals.

 Click here for an online rate indication from Physicians Insurance Company.  

Florida Physicians need something to smile about.


As a Florida Physicians you want a company with years of professional liability experience, Insurance Innovations and Physicians Insurance Company are who you want to protect your practice.  PIC’s underwriting and claims professionals are some of the best in the industry. We can offer you unparalleled service, stable and competitive rates, broad coverage and an aggressive litigation defense should you ever need it.

Keep smiling, it only gets better.

Our program benefits have flexible payment plans with interest free payments, we have 24 hour application turn-around, medical license coverage, HIPAA legal defense, Medicaid/Medicare legal defense coverage, incident sensitive claims trigger, free tail after 5 years of continuous coverage and retirement, cyber liability coverage along with secure web access.

We believe your relationship with us begins at the moment you call for a quote.  You can expect excellent customer service, all accompanying documents within 24 hours of binding your coverage with Physicians Insurance Company.  You can expect to receive an accurate policy, correct no-hassle billing, timely certificate requests and, knowledgeable insurance professionals along with  a carrier that has your best interest at heart.

Obtaining medical malpractice  insurance need not take too much of your valuable time.  When you work with a leader in protecting your practice.  A quick phone call will give you an estimate of premium and additional discounts maybe available with a completed application.

Insurance Innovations is a leader in providing professional liability insurance.  To learn more, contact Insurance Innovations or click here for an online rate indication  where years of proven performance in delivering professional liability insurance means you benefit from an experienced staff ready to answer your questions,  understand your goals and connect you to the policy that fits your needs. Please do not hesitate to call us to speak with a knowledgeable agent at 888-871-9096 Ext 5193.