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Excess Doctor & Physician Liability Insurance

No matter what type of healthcare industry you work in, it is almost certain that you will be facing challenges every day. Whether it is how to provide the best treatment or dealing with the stress of day-long shifts and a non-stop workload, you always have something to worry about on your mind. While you can take every precaution necessary to make sure you deliver the best quality of care to all patients, there are some things you can’t control – such as lawsuits seeking monetary damages. Even if you’ve never been faced with such a concern, you still never know what the future holds and it is best to make sure you’re covered before it becomes too late.

This is why excess doctor and physician liability insurance is so important to have no matter how good at treating patients you are. While you might have medical malpractice insurance, you are leaving yourself exposed to gaps in these traditional insurance policies, which can exclude defense of wrongful acts (assault & battery or sexual abuse & molestation). These excess liability plans should be viewed as an extension of your current policy to help you stay protected and focus on treating patients rather than stressing about insurance gaps.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.