We know that every practice and provider is unique.
And a one-size-fits-all insurance product isn’t what you need. We’ve seen it all, and we’ve got ideas for how to handle it all.
We love our insurance company partners, but we understand their limitations and how to work around them to create custom medical malpractice insurance solutions for you.
You may have experienced that:
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Insurance companies can be slow to adapt.
They’re often inclined to say no to procedures that are emerging, or non-FDA approved. This means providers who offer fee-for-service procedures are often left under or uninsured. At L&J, we bridge this gap with tailored malpractice insurance solutions, creating a comprehensive strategy that covers all your activities.
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Insurance companies are limited to the products and services they offer.
They often can’t address the full spectrum of your practice’s needs. L&J is here to holistically look at your practice now and where you want to be in the future, offering expert guidance to protect you today and prepare for tomorrow.
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Insurance companies fear high-payout settings.
For instance, nursing home, corrections work,
and high-profile celebrity providers or patients can lead to automatic declinations. We navigate these complexities, providing medical malpractice insurance solutions so you don’t have to turn down opportunities. -
Insurance companies are hesitant to give providers a second chance.
We create clear roadmaps for providers who have been surcharged or non-renewed due to claims history, medical board activity, legal complexities, etc. We learn your story, share your triumphs, and place you with carriers who understand your past and the changes you’ve made since. We have access to carriers who serve as a steppingstone between the non admitted and standard marketplace. Our goal is to get you back into the insurance companies you were with before the speed bump.
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Insurance companies might not be able to help if you hit hard times.
We know that even heroes face challenges. There are many ways to adjust coverage that impacts affordability. If you desire coverage from a reputable carrier but need to make tough financial decisions to stay afloat, we can provide guidance on how to modify coverage so you can stay insured and keep practicing.
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Insurance companies might not have solo solutions for advanced healthcare practitioners.
With legislation broadening your scope of practice and looming nationwide physician shortages, we understand that you are becoming more independent and entrepreneurial. You may have historically relied upon being named on a physician or group policy but are now seeking your own medical malpractice insurance coverage. We can connect you with a carrier who has created medical malpractice insurance solutions just for you. And we have the time to walk you through every step of the process.
Medical malpractice insurance is complicated, but it doesn’t have to be for you.
We get the ins and outs and are here to heal the pain points.
Let us create the medical malpractice insurance solution you need so you can breathe easy and sleep peacefully.
Some of our areas of expertise include:
Surcharge, non-renewal, or declination of med mal insurance
Fee-for-service procedures and treatments such as:
o Ozone
o PRP and stem cells
o Ketamine
o Semaglutides
Progressive and alternative medicine
Med spa, aesthetics, lasers, injectables
History of claims (meritorious or not)
History of legal complexities (criminal or civil)
Nursing home, long-term care, and skilled nursing facility work
Prison and corrections work
Medical directorship duties
Medical board activity
History of suspended or revoked hospital privileges
Celebrity or high-profile practice
Multi-state practice
Telemedicine-based practice
Bare period or lapse of coverage (including no tail coverage from prior policies)
Previously retired, substantial practice profile change, or returning to active practice
IME (Independent Medical Exam) and QME (Qualified Medical Exam)