Physician Insurance
Your medical malpractice insurance should be built around your career and life plans, not your employer's institutional policy. HUB's physician advisors consider your specialty, claims history and circumstances.
Stay Ahead of Industry Challenges
Where medical career transitions create coverage gaps employer policies don't cover
Across high-risk specialty physicians, physicians in transition and physicians whose employers made coverage decisions for them, HUB has worked through the retroactive date gaps, specialty-driven premium pressures and institutional consolidation consequences that surface at the exact moments a physician's career is changing fastest.
Healthcare consolidation is shifting physician tail coverage extended reporting period obligations from physician to employer control. When an institution changes carriers, an employed physician may lose retroactive date continuity. When the physician leaves, tail coverage depends on a contract negotiated years before departure became relevant.
HUB's medical professional liability (MPL) program includes the death, disability and retirement (DDR) benefit — a free tail after two to five years of continuous coverage — protecting against the career-exit gap institutional programs fail to address. An individual policy with a career-portable structure gives a physician continuity no employer program can guarantee.
Physicians who've been employed long enough to feel settled in an institutional program are often the most surprised when their employer changes carriers. The retroactive date conversation almost always ends with 'I didn't know that could happen.'
Physicians with individual programs and DDR benefit coverage maintain personal career-exit protection regardless of what their employer's carrier does because the coverage is theirs, not their employer's.
High-risk specialty physician malpractice insurance in neurosurgery, obstetrics, thoracic surgery, emergency medicine and anesthesiology runs three to five times higher than primary care premiums. That premium severity creates a direct financial incentive to accept institutional program terms without reviewing their adequacy because the alternative feels too expensive.
HUB's specialty-specific expertise covers the full premium spectrum: advisors who have placed coverage for neurosurgeons, obstetricians and emergency physicians understand the carrier market for those specialties and the program structures that produce the most competitive terms for a physician's specific history and location.
The physicians who are best protected in high-risk specialties have reviewed their personal exposure independently and decided what they needed rather than rely on institutional policies.
High-risk specialty physicians with individually reviewed programs carry personal liability protection designed around their specialty's actual risk profile, not around the institutional program their employer designed for its own interests.
Physicians who hold privileges at multiple facilities, cover locum tenens shifts or transition between positions accumulate patchwork coverage: occurrence vs claims-made malpractice insurance physician terms differ and prior acts from prior positions go uncovered. The uninsured gap appears exactly at the moment of highest professional mobility.
HUB reviews a physician's full coverage obligations — across every institutional program, every locum tenens shift and every prior position's physician tail coverage extended reporting period — before advising on the structure that closes the gaps. Occurrence and convertible claims-made policies are part of the same conversation.
The physicians who come to HUB with coverage problems almost always have the same background: they took an institutional program at each employer, changed jobs a few times and nobody mapped what happened to their prior acts.
Physicians with a complete picture of their coverage obligations across current and prior positions, locum tenens shifts and telemedicine arrangements move through every career change with no coverage gap to close after the fact.
Tailored Risk Solutions for Your Industry
How HUB designs physician insurance around a career, not a coverage checklist
An institutional program is designed around the organization's interests. An individual physician's program should be designed around the physician's career, life plans and long-term disability insurance physician income protection. HUB coordinates malpractice coverage structure, the DDR benefit and long-term disability (LTD) as a unified program.
The most consequential malpractice decision for medical malpractice insurances is the choice between an occurrence policy and a claims-made policy, best made in the context of career plans, not just current-year premium. An occurrence policy provides coverage for clinical acts during the policy period regardless of when a claim is filed, making it the structure that travels with a physician through parental leave, a position change or retirement without a physician tail coverage extended reporting period obligation at each transition. A claims-made policy provides lower initial premiums through the early-year step premium structure but requires active management of the retroactive date and the occurrence vs claims-made malpractice insurance physician tracking at every career transition. HUB considers every physician's specialty, claims history, location and personal career circumstances before recommending a structure. Retroactive date continuity management, prior acts coverage review at each position change and multi-state coverage confirmation for physicians practicing telemedicine or locum tenens are part of the same advisory relationship.
A physician's specialty is the single largest driver of premium variation in the individual malpractice market: high-risk specialty physician malpractice insurance placement requires specialist advisors, not a generalist broker applying primary care pricing logic to high-risk surgical practice. HUB's specialty-specific expertise and carrier relationships allow an individual physician's program to be placed competitively based on their specific claims history and practice patterns rather than their specialty's generic premium tier. For physicians with complex coverage arrangements — concurrent employment, locum tenens shifts, hospital privileges at multiple facilities and telemedicine practice across state lines — HUB reviews the full coverage landscape to identify gaps between programs rather than assuming the combination of institutional policies adds up to complete personal protection.
Your ability to earn an income is your most valuable professional asset. Long-term disability insurance physician income protection is named on the practice page as a primary personal coverage need alongside malpractice, and HUB positions it as part of the same holistic physician protection program rather than a separate personal insurance decision. The DDR benefit — free tail coverage after two to five years of continuous coverage — addresses the career-exit coverage gap that retirement, disability or career change can create. Coordinating malpractice structure, the DDR benefit and LTD as one program gives a physician's advisor a complete picture of what is and isn't protected across clinical liability, income continuity and career exit rather than leaving each piece to a separate uncoordinated decision.
Industry Insights
Insights and resources for physicians
