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) asserting a practitioner deviated from the acceptable standard of care or failed to perform a legal duty can be a career altering event. Allegations may include instances of improper or insufficient record keeping, negligence (repeated careless errors, failing to order certain tests, etc.), prescribing errors (inappropriately or over prescribing, or the wrongs drug or dosage, etc.), patient breach of confidentiality, misleading claims, and many more.  

If found in violation, disciplinary actions will be imposed which may include fines, reprimands, remedial education, practice restrictions, license suspension, and license revocation. Additionally, medical practitioners are then be reported to the Florida Department of Health Practitioner Profile and often reported to: The National Practitioner Data Bank (NPDB), insurance networks and Medicare/Medicaid, third-party background check services, and hospital credentialing boards. These negative reports will affect your livelihood, privileges and practice, and plaintiffs’ attorneys will find them useful as evidence in a malpractice lawsuit.

In the event of a complaint or investigation, having a BOLD Medical Malpractice Legal Defense Insurance Policy will immediately give you access to our legal experts and resources. This support can be invaluable in navigating the complexities of legal and regulatory processes ensuring your rights are protected.

Once an administrative complaint is filed, time is of the essence. BOLD will immediately evaluate the complaint, formulate a strategic response, negotiate and communicate with the DOH while the proceeding remains informal and confidential. Our attorneys have been highly effective in preventing probable cause findings, resulting in cases being dismissed and kept confidential.  

If the complaint cannot be resolved informally, due to the facts and circumstances, a hearing before the Division of Administrative Hearing (DOAH) will be conducted. At this stage, it is even more important to have a BOLD Supplemental Legal Defense Policy. We have proficient attorneys who have years of experience presenting evidence and arguments before the board effectively.

Most standard medical malpractice insurance policies either exclude administrative complaints or impose significant coverage limitations on defending your license. Having a BOLD Policy will give you immediate legal access to our legal experts and resources.

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: