Since 1987, Wilson Insurance has worked with medical professionals throughout the Southwest. We are one of five limited appointments with MICA in Arizona and Utah. When you work with Wilson Insurance you receive guidance and high-touch care.
Together we can find solutions to address your insurance coverage and budget requirements
We don’t want you to pay more than you should either. We will steer you towards savings
We have been helping Arizona business owners for almost 40 years. We are your local insurance advocates.
Wilson Insurance is actively looking to write the following classes of medical malpractice business:
Medical Malpractice insurance is a crucial coverage for healthcare professionals. It protects against accusations of negligence or inadequate treatment that result in patient injury in the following four ways:
In addition to Medical Malpractice Insurance, Wilson Insurance can help you with your other lines of commercial coverage including Business Owner policies, Property, General Liability, Commercial Auto, Workers’ Compensation, EPLI, Employment Benefits Liability, Umbrella, and Data Breach and Cyber Liability coverage.
Feeling the heat with student loans? We work with top insurance companies that provide discounts to recently graduated medical professionals. We ensure you are compliant with all loan requirements with any coverage.
New to Practice Dentists – you can enjoy ‘minimum premiums’ while your practice builds.
New to Practice MDs and Dos – New graduates qualify for up to 75% off Professional Liability
Disability Insurance – No proof of income is required. New to Practice discounts are available.
Life Insurance – discounts for professionals new to practice.
Claims-made policies only cover incidents reported on your active policy and that occurred after the policy’s retroactive date. If a claim is reported from an occurrence before your policy starts, your insurance company won’t provide coverage. You can buy this coverage back with prior acts coverage also known as ‘nose coverage’. Alternatively, if you want to extend the time a claim can be reported, you can purchase tail coverage.
The occurrence form simplifies coverage. It covers incidents that happen during a policy term regardless of when the claim is reported. Occurrence coverage provides coverage indefinitely.
Also known as an Extended Reporting Endorsement (ERE), tail coverage extends the amount of time a claim can be made against your policy after it expires or is canceled.
Colloquially known as ‘nose coverage’, Prior Acts Coverage is for liability from a prior claims-made policy that has been dropped and added to a new policy.
BOPs are available for lower hazard operations and blend together property and liability coverages. They also provide direct and indirect blanket limits for miscellaneous coverages for a very reasonable price.
We can insure your building, business personal property, and business income for your practice.
In addition to professional liability exposures, your business has general liability exposures that require exposure as well. We can quickly help you find affordable coverage for your liability exposures
Medical offices face an increased EPLI exposure. You are four times more likely to be sued by your employee than have your building burn down. Your GL policy excludes EPLI coverage which requires you to buy it back on a separate policy. In addition to providing coverage limits, your EPLI policy will provide legal defense. For more information, check out our commercial lines coverage page.
Because medical offices handle sensitive, personal information in addition to financial details, they are frequent targets of cyber attacks. For more information about data breaches and cyber liability, check out our commercial lines coverage page.
Your workers are your most valuable asset. This coverage protects them against harm while they are on the job. For more information, check out our commercial lines coverage page.
Certain claims have the potential to pierce your underlying liability coverage. This coverage provides an extra layer of protection and legal defense. For more information, check out our commercial lines coverage page.
Both forms offer advantages. If you are on the fence about what form works best for you, we can talk you through the pros and cons. We’d love to talk to you.
Nose coverage is also known as prior acts coverage. It provides claims coverage for acts that occurred before the effective date of your policy for a previous policy that lapsed or was canceled.
The two types of malpractice insurance are claims-made and occurrence-based policies.
Most policies provide legal expenses outside policy limits. This protects your limits and prevents coverage erosion. Your policy will articulate if defense costs are inside or outside your limit.
Some factors that influence your pricing are your coverage specialty, geographical location, and claims history. For an articulate answer on what is affecting your premium, give us a call for a full coverage review. We can break it down for you.
According to the National Law Review, causation is the hardest element to prove in malpractice suits.
According to John Hopkins Medicine, misdiagnosis is the ‘most common, most catastrophic, and most costly of all of medical mistakes’.
Negligence, misdiagnosis, medication errors, and failure to obtain informed consent are all common errors that lead to malpractice suits. By focusing on these areas, you can decrease your risk and lower your insurance cost by showing favorable claim history.
The four elements of medical malpractice insurance can be summarized as a professional duty to patients, dereliction of your duty, injury caused by your breach of duty, and resulting damages.
According to the National Practitioner Data Bank, the average medical malpractice payout in Arizona across all practices was $351,570.
As reported by Forbes, 90% of malpractice claims are settled out of court.
The medical field is one of the top five industries for EPLI claims. Because of this, we recommend having adequate limits and to not rely on sub limits provided on coverage extensions.
Yes! We can help with all your commercial and personal lines of coverage. We endeavor to be your one stop shop for all of your insurance needs.
