About Baxter ProSM Experts In Medical Malpractice Insurance And Professional Liability Coverage

Medical malpractice insurance or medical professional liability coverage is insurance that covers Medical Doctors, Osteopathic Physicians, Dentists, Chiropractors, and other healthcare professionals for indemnity payments (settlements), court costs, and damages associated with a lawsuit for malpractice.  Premiums for medical malpractice insurance vary depending on the physician’s degree of risk.

Typically, Insurers set premiums based on a practitioner’s medical specialty, whether or not they perform surgery or certain procedures, and the geographic location or state in which they practice. Hours worked may also be considered in the computation of the insurance premium.

Professional liability / Errors and Omissions coverage for insurance agencies will protect agents for their professional service and advice.

Regardless of your profession, Baxter offers coverage from only the top rated malpractice and professional liability carriers in the country.  We offer Preferred, standard, and special risk programs through multiple insurers

Our preferred programs for medical professionals include*

  • Competitive premiums
  • Convenient payment options with as little as 20% down.
  • Coverage is broad form and is non-accessible
  • We offer coverage from both admitted and surplus lines insurers
  • Locum Tenens coverage
  • There are no deductibles
  • Incident Claims Trigger
  • Full Consent to Settle with no hammer clause
  • Choice of an occurrence policy or claims-made policy
  • Stand-alone tail policies
  • Defense costs are payable over and above policy limits
  • Limits include $100,000/$300,000, $200,000/$600,000, $250,000/$750,000, $500,000/$1,500,000, $1,000,000/$3,000,000, $2,000,000/$4,000,000 and others up to $5,000,000
  • Coverage for Licensing or Professional Conduct Review expenses is included at no additional cost
  • Cyber Liability / Data Breach Coverage is included on most of our programs
  • $500 per day for loss of earnings or expenses by the insured in the investigation or defense of any claim or suit
  • Choice of an occurrence or claims-made policy
  • General Liability Insurance can be added to most coverage
  • All carriers are rated A- (excellent) or better by AM Best

*Features and Benefits vary by state and insurer

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