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Pennsylvania 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
Pennsylvania Medical Malpractice Insurance Market Summary
Through the late 1990s and until recently, medical malpractice insurance premiums in Pennsylvania were rising sharply. However, in the last few years, many malpractice insurance carriers have decreased their rates amid an improving malpractice environment.
The total coverage limits provided to physicians is $500,000 for the primary coverage and $500,000 for the MCARE coverage, totaling $1 million limit per claim.
The MCARE Fund insures doctors and hospitals for so-called “excess” claims, which means claims where there is provable medical or hospital negligence, and a relationship between the negligence and harm where the damages exceed $500,000. The Fund is an arm of the Pennsylvania Insurance Department and was created by Act 13 of 2002 signed into law March 20, 2002, although it is a successor to the Medical Professional Liability Catastrophe Loss Fund, known by the acronym CAT Fund.
Each health care provider in Pennsylvania which provides 50% or more of professional health care business or practice within Pennsylvania must obtain primary coverage in the amount of $500,000 or an approved self-insurance plan. Participation in MCARE is mandatory for physicians, hospitals, nursing homes, birth centers, and a variety of other health care providers.
Pennsylvania Medical Malpractice Insurance Carriers
Medical malpractice insurance in Pennsylvania is available from admitted insurers, surplus lines insurers, risk retention groups, and the Pennsylvania Professional Liability Joint Underwriting Association (JUA). Since April of 2002, the Pennsylvania Department of Insurance has licensed or approved 57 new entities to offer medical malpractice insurance coverage to hospitals and physicians. Some companies have voluntarily ceased writing medical malpractice insurance in Pennsylvania, such as Princeton Insurance Company and First Professionals Insurance Company.
Statute of Limitations
Medical malpractice actions for injury or wrongful death must be brought within two years. 42 Pa. Cons. Stat. § 5524(2) (2007). The statute does not begin to run until the injured party discovers or reasonably should have discovered that he has been injured. This discovery rule does not apply to death cases, however.
Pennsylvania has adopted a modified rule of comparative negligence. A plaintiff’s recovery is barred only if his contributory negligence is greater than the causal negligence of the defendants against whom recovery is sought. Otherwise, the plaintiff’s damages are diminished in proportion to the amount of negligence attributable to him. 42 Pa. Cons. Stat. § 7102(a) (2007).
Pennsylvania does not impose a cap on compensatory damages. Punitive damages against a physician cannot exceed 200 percent of the compensatory damages absent intentional misconduct. Pa. Stat. Ann. tit. 40, § 1303.505(d) (2007).
Diederich Healthcare is able to offer medical malpractice insurance to the following counties in Pennsylvania:
Adams, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York
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 Pennsylvania
- 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 Pennsylvania
- 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 Pennsylvania…
Get your FREE QUOTES now…compare multiple companies providing Malpractice Insurance to physicians in Pennsylvania. (including AM Best A-Rated carriers)
Covering all Physician Specialties, including Groups and Facilities in Pennsylvania, 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 Pennsylvania.
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