Medical Malpractice Insurance for Georgia Physicians
Edgewood Healthcare Advisors
Medical Malpractice coverage is one of the most crucial, yet most complicated lines of insurance that healthcare providers purchase. Medical malpractice insurance carriers issue policies to protect physicians, clinics, and healthcare facilities in the event that a patient files a claim alleging negligence resulting in injury or harm.
Our team connects Georgia physicians and physicians groups with comprehensive medical malpractice insurance protection at a competitive price. When you trust Edgewood Healthcare Advisors for your medical malpractice insurance needs, our strong relationships with the top medical malpractice carriers in the country become your advantage.
We Understand the Georgia Medical Malpractice Environment
Georgia doctors and surgeons have choices when it comes to medical malpractice insurance. We make sure you select the right kind of insurance with the features you need and the competitive premium rates you want.
Coverage for Every Practice Specialty in Georgia
|New to practice physicians||Part time doctors
|Medical society and professional association members||Complicated risks|
|New healthcare ventures||Board certified doctor applicants|
When Searching for Medical Malpractice Insurance, Keep in Mind:
Liability Limits in Georgia
Most providers in Georgia are required to carry a minimum level medical malpractice insurance of $1,000,000 per occurrence and $3,000,000 in aggregate per year/policy period. Due to this, malpractice insurers are required to provide insurance to all healthcare providers and not exclude any specialty or practice. Limits of $1,000,000 per occurrence and $3,000,000 in aggregate are more common though. Georgia hospitals may require doctors to purchase a higher limit of liability to gain the right to obtain admitting privileges or to provide contract work for a hospital. Your broker can provide valuable support and insight on the matter of appropriate limits.
Medical Malpractice Rates in Georgia
In the last few years, medical malpractice insurers have been raising rates in Georgia between 5-15% a year. Rates vary by practice specialty and what features physicians choose to include in their coverage, or whom they choose as a carrier. The knowledge of a broker experienced in placing medical malpractice insurance in Georgia ensures you obtain the best pricing and policy structure for your given specialty and territory.
Types of Carriers in Georgia
In Georgia, there are two distinct types of insurance providers offering medical malpractice insurance; admitted carriers and non-admitted carriers. The main difference between the two is in how each is licensed and regulated in Georgia. There are certain considerations in determining which path is most appropriate and your broker should be able to guide you through the process. There are a broad range of all carriers writing coverage in Georgia and our access to virtually all of the markets writing in Georgia ensures you obtain a competitive program.
Types of Coverage
As is the case in many other states, medical malpractice insurance in Georgia falls into three broad categories: claims-made coverage, occurrence coverage and tail coverage. Some carriers also offer a product referred to as a Modified Claims Made Policy, which combines aspects of occurrence and claims-made policies. These policies often come with tail coverage automatically included. We can help you navigate and understand these types of policies.
Statute of Limitations
The statute of limitations in Georgia is two years from injury or death; in no event longer than five years from act or death. Foreign object: One year from discovery. Minors: Two years from 5th birthday if action arose before the child attained age of 5. Ga. Code §9-3-70 et seq.
Georgia Patient Compensation Fund
The state of Georgia does not have a Patient Compensation Fund.
There are a broad array of Medical Professional Liability carriers accepting new business in Georgia. Whether you are currently insured and seeking alternatives or starting a policy for the first time an experienced Georgia insurance broker can simplify the process and ensure you obtain the best product at the best price. We welcome the opportunity to work with you. Contact us today.
Contact Matt LeBlanc at or (860) 521-8555 to get a free, no obligation premium comparison from multiple, A-rated carriers.
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