Malpractice Insurance

Malpractice insurance costs vary more by specialty than almost any other line item in a physician’s budget — a family medicine physician and a neurosurgeon are not looking at the same number, and neither are a physician in a low-litigation state versus a high-litigation one. Most physicians also don’t find out whether their policy is claims-made or occurrence until tail coverage becomes an issue at exit, which is the worst possible time to learn it.

DocNation benchmarks your malpractice costs against real specialty and state data, walks through the claims-made vs. occurrence distinction before it matters, and handles tail coverage timing — whose responsibility it is when you leave a job, and how to negotiate it into a contract before you sign rather than after you’ve already left.