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We specialize in providing physicians with cost-effective medical malpractice insurance coverage that they need. We can offer more carriers, top of the line service and the most cost-effective rates, no matter what your specialty is.
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California Medical Malpractice Insurance information
Most physicians work long and irregular hours. It has been reported that 43% of all physicians work in excess of 50 hours per week. With all of this time devoted to patient care and practice development, physicians benefit greatly from relying on the expertise of an Insurance Agent specialized in the area of Medical Malpractice Insurance.
It is difficult for physicians to remain knowledgeable about the ever-changing landscape of Malpractice Insurance coverage, law, and carrier options. Diederich Healthcare specializes in Medical Malpractice Insurance and we understand the need for a trusted “partner” who can assist physicians in selecting the right Medical Malpractice Insurance protection for their practice.
Diederich Healthcare’s network of over 200 contracted insurance affiliates assures our physician clients greater portability, market accessibility, and effective consultation. We provide consultation on coverage options from the major carriers offering Professional Liability Insurance to physicians throughout the United States. We will provide malpractice insurance quotes from several carriers and make recommendations on coverage that best fits the physician’s particular needs at the most cost effective premium.
Diederich Healthcare reviews each account and policy prior to each policy renewal, and more frequently based on market/situational changes, to determine options for renewal coverage. These options are then presented to the physician with our recommendation prior to renewal in order to avert last-minute decision making.
Medical Malpractice Coverage also available for:
- Medical Groups
- Medi-Spa Facilities and Procedures
- Weight Loss Procedures
- Ancillary Healthcare Professionals
- Physician Assistants
- Nurse Practitioners
- Surgical Assistants
California Medical Malpractice Insurance Market Summary
California physicians are seeing the lowest medical malpractice insurance rates in over ten years and 2012 are also expected to decrease. A heavy increase in newly admitted medical malpractice insurance carriers in the state of California promises lower insurance rates for the upcoming year. Have you shopped your coverage for your upcoming renewal?
California Medical Malpractice Insurance Carriers
Medical malpractice insurance in California is available from admitted insurers, surplus lines insurers, and risk retention groups. The number of companies offering medical malpractice insurance in California has increased over the past few years. In 2010 there were 40 admitted medical malpractice insurance carriers providing coverage to California physicians. Although there is a high number of malpractice insurance carriers, the market is highly concentrated with two companies providing about 79% of all medical malpractice insurance premiums in 2010.
Statute of Limitations
A medical malpractice action for injury or death must be brought within one year from the date the claimant discovered the negligent act, but no more than three years from the date of injury. Cal. Civ. Proc. Code § 340.5 (West 1992).
California follows a pure comparative negligence rule: a claimant’s negligence reduces his recovery but will never bar recovery. Li v. Yellow Cab Company, 13 Cal. 3d 804, 532 P.2d 1226, 119 Cal. Rptr. 858 (1975). The plaintiff’s negligence is compared to the combined negligence of plaintiff and of all tortfeasors, whether or not joined as parties, to determine the amount of the reduction. American Motorcycle Ass’n v. Superior Court of Los Angeles County, 20 Cal. 3d 578, 578 P.2d 899, 146 Cal. Rptr. 182 (1978).
California places a cap on non-economic damages for medical malpractice cases. Cal. Civ. Code § 3333.2 (West 1997). Non-economic damages, defined as compensation for pain, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary injury, are limited to $250,000. Id. The cap applies whether the case is for injury or death, and it allows only one $250,000 recovery in a wrongful death case. Yates v. Pollock, 194 Cal. App. 3d 195, 239 Cal. Rptr. 383 (1987). There is authority, however, for allowing separate caps for the patient and a spouse claiming loss of consortium. Atkins v. Strayhorn, 223 Cal. App. 3d 1380, 273 Cal. Rptr. 231 (1990). The cap on non-economic damages has been held to be constitutional. Fein v. Permanente Medical Group, 38 Cal. 3d 137, 695 P.2d 665, 211 Cal. Rptr. 368 (1985).
Diederich Healthcare is able to offer medical malpractice insurance to the following counties in California:
Alameda, Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, Del Norte, El Dorado, Fresno, Glenn, Humboldt, Imperial, Inyo, Kern, Kings, Lake, Lassen, Los Angeles, Madera, Marin, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Napa, Nevada, Orange, Placer, Plumas, Riverside, Sacramento, San Benito, San Bernardino, San Diego, San Francisco, San Joaquin, San Luis Obispo, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Shasta, Sierra, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tehama, Trinity, Tulare, Tuolumne, Ventura, Yolo, Yuba
All Specialties save on Medical Malpractice Insurance with Diederich Healthcare
- On average, Physician clients that switch to Diederich Healthcare save 46% on their medical malpractice insurance.
- We compare the major companies for your specialty in order to recommend the best coverage at the lowest premium for your practice.
- Our access to multiple carriers in each state allows us to offer many practice discount programs…
- New Doctor Discount
- Part-Time Discount
- Board Certification Discount (ABFM)
- Claims Free Credit
- Risk Management Credit
- No need to purchase Tail Coverage when changing to Diederich Healthcare with Prior Acts Coverage Included.
Med Mal Insurance Coverage in California
- AM Best “A-Rated” Coverage at Affordable Rates
- Coverage options for all Medical Specialties, Groups and Healthcare Facilities
- Compare Premiums and Choose Malpractice Coverage that best suits your needs
- Maximum Discounts available to physicians in California
- Guidance regarding Risk Management at your practice
- Access to “Specialty Lines” of Insurance for your Unique Practice needs
- Easily Transfer Your Malpractice Insurance at any time
Providing cost-effective Medical Professional Liability Insurance to Healthcare Providers located in California…
Get your FREE QUOTES now…compare multiple companies providing Malpractice Insurance to physicians in California. (including AM Best A-Rated carriers)
Covering all Physician Specialties, including Groups and Facilities in California, and all Types of Procedures…
Your “one-stop-shop” to obtaining affordable coverage to meet your needs. Representing a large number of quality insurance companies; giving you the confidence of having an advocate in your corner who has already “shopped” the marketplace for the best Malpractice Insurance Value available in California.
Accessing all Discounts available to each Physician’s Medical Practice…
Multiple Physician/Group Discounts, Medical Board Certification Discounts, Claims Free Discounts, Practice Longevity Discounts, Risk Management Discounts, Part-Time and New Practitioner Discounts.
Guiding Medical Practitioners toward improved Risk Management…
Ask about FREE access to Risk Management assessments and training for your practice. Offering access to Insurance for physicians and Risks/Procedures that are more difficult to cover…
Obtain coverage options for High Risk physicians and/or Procedures and Specialty Practices such as:
- Medi-Spas (including Botox/Fillers)
- Weight Loss/Weight Management (including HCG and Bariatric Surgery)
- Others available upon request