BOLD Expands Limits That May be in Your Primary Medical Malpractice Insurance Policy and Provides Unique Coverage Options That You Won’t Find Anywhere Else.

Standard medical malpractice insurance policies typically impose LIMITS that can impact the outcome of your case. The following are some common sub-limits that may be in your policy:

Administrative Complaints

An administrative complaint from the Department of Health (DOH) can put your entire career at risk. These complaints may allege a failure to meet the standard of care or a violation of professional duties, such as improper medical records, prescribing errors, negligence, confidentiality breaches, or other regulatory issues.

If a violation is found, penalties can include fines, reprimands, required education, practice restrictions, license suspension, or revocation. Disciplinary actions are often reported to the Florida Department of Health Practitioner Profile, the National Practitioner Data Bank (NPDB), insurance networks, Medicare/Medicaid, hospital credentialing boards, and background check services—potentially impacting your livelihood and professional reputation.

With a BOLD Medical Malpractice Legal Defense Insurance Policy, you gain immediate access to experienced legal counsel and critical resources as soon as a complaint or investigation arises. Early intervention is essential.

BOLD acts quickly to evaluate the complaint, develop a strategic response, and communicate with the DOH while the matter remains informal and confidential. Our attorneys have a proven record of preventing probable cause findings and achieving dismissals whenever possible.

If a case proceeds to a formal hearing before the Division of Administrative Hearings (DOAH), a BOLD Supplemental Legal Defense Policy ensures skilled representation by attorneys experienced in defending medical professionals before administrative boards.

Most malpractice insurance policies provide little or no coverage for administrative complaints. BOLD is designed specifically to protect your license, your reputation, and your future.

Locum Tenens Coverage

Locum tenens coverage is usually excluded or has significant limitations in standard medical malpractice policies. Standard malpractice insurance is often tied to a specific job or location and doesn’t cover temporary or “moonlighting” work.

BOLD, however, includes locum tenens coverage for healthcare professionals who temporarily fill in for another provider in a secondary medical setting that is not their primary workplace. Having a BOLD Legal Defense Policy safeguards you against claims arising from your absence at your primary practice; as well as any action taken while working in the secondary setting against medical malpractice claims and other liabilities.

Good Samaritan Acts

The purpose of the Good Samaritan Act is to encourage medical professionals to provide emergency aid when they have no prior obligation to do so. Although this act extends liability protection to those who provide gratuitous emergency care to a person in need, it is NOT absolute. Acts that are not included are pre-existing duties to treat, being compensated, and certain negligent actions.

Many standard medical malpractice policies often have limitations or exclude Good Samaritan Act entirely unless specifically stated. Having a BOLD Policy shields practitioners from claims allowing you to focus on patient care without the worry of potential lawsuits.

Our BOLD Supplemental Medical Malpractice Legal Defense Insurance Policy provides UNIQUE COVERAGE options that you won’t find in any other insurance policy or company. The following are just a few examples: