Frequently Asked Questions

Refer to our Glossary for industry specific terms.

We think so! MedMal Direct provides comprehensive malpractice insurance coverage – with significant savings because of our direct business model.

Hear more about the Unmatched Value of MedMal Direct from our CEO, Butler Ball.

MedMal Direct offers its policy directly to healthcare providers – which gives us the opportunity to have a direct relationship with the physicians we insure. This model eliminates the runaround and in turn provides you with Superior Service by providing direct access to risk managers, claims experts and account executives who can resolve your questions or issues.

No. The only way in which you will be able to get a quote from MedMal Direct Insurance Company is directly from MedMal Direct Insurance Company. We are the only national exclusively direct-write medical malpractice insurance company. We do not use independent agents/brokers; and they do not have access to sell our insurance policies.

No. This is not a bait-and-switch scheme. Our insurance rates are closely regulated by the insurance departments of each state in which we operate and are actuarially sound. Your low rate from MedMal Direct is a result of our DIRECT distribution model and our fair assessment of your risk. Our company’s profitability is a result of strict underwriting – only choosing the best risks combined with aggressive and prudent claims management.

ComplianceProtector Coverage (also referred to by other companies as “Broad Form Coverage” or “MediGuard Coverage”) is provided by MedMal Direct Insurance Company with no additional premium charge. This Investigation Defense Coverage provides coverage for legal expenses for defense of allegations concerning, but not limited to:

  • Licensure matters before the Board of Medicine
  • Billing statements
  • CLIA
  • OSHA
  • Medicare / Medicaid regulatory proceedings and investigations

This coverage is standard in the industry for admitted companies across the country.

In addition to the policy limit, all legal costs and claims expenses are fully paid by MedMal Direct Insurance Company.

The MedMal Direct Insurance Company claims team has over 40 years of experience in handling thousands of medical malpractice claims. We are very familiar with the law firms who have specialized over the decades in representing physicians in this type of litigation. Rather than using a defined list of attorneys to whom we limit ourselves, we prefer to customize the defense team for each and every claim and wish to have your input on who is the best defense attorney for you in your particular case. In all cases however, you can rest assured that you will have the optimum defense team.

Yes, aggressively!

At MedMal Direct Insurance Company we fully investigate and develop a litigation strategy within 90 days of receipt of the letter announcing the “Notice of Intent to Initiate Litigation” against one of our insureds. With full involvement of our insured, our highly experienced claims staff will assemble a winning plan utilizing the best defense attorneys and clinical experts. If there is a problem with the clinical management of a claim, then early resolution will be the goal; but if the allegations of negligence are defensible, then we will provide an aggressive defense of this frivolous litigation.

“Duty to defend” is a contractual obligation contained in almost every professional liability policy, which requires us, the insurer, to defend you against any lawsuit seeking damages for action that is covered by the policy. An insurer’s duty to defend has nothing to do with whether or not you are currently insured by that particular carrier. Furthermore, once your claim has been accepted, an attorney’s duty to defend is established and he or she is obligated to defend you to the best of his or her ability.  Click here to learn more about the Duty to Defend.

Yes. MedMal Direct Insurance commonly provides “prior acts coverage”. With prior acts coverage we cover all incidents that occur after your retroactive date and that are reported to us while your policy is in force.

Yes. MedMal Direct Insurance offers an “Extended Reporting Period Endorsement”, which is commonly referred to as “tail” coverage. If this coverage is in place, then all claims that occurred after your retroactive date are covered, regardless of when the claim is reported to us.

Yes. There will be no charge for an Extended Reporting Period Endorsement should any of the following events occur while the policyholder or insured physician is actively insured with us:

  1. Death of the insured physician
  2. Insured physician becomes disabled and cannot continue the practice of medicine
  3. Insured physician fully retires from the practice of medicine at any age and has been continuously insured for a period of time preceding retirement that varies by state.

The most common reason requiring you to purchase tail coverage is when you join or leave a group. Many group contracts demand that when you join the group, you do so without any prior-acts exposure; which means you must buy a tail policy with us or the carrier you currently have. Conversely, if you leave a group you are often required to purchase a tail policy from the group’s insurer to satisfy the group’s concern about completing your coverage during the time you were practicing with them.

Yes. If temporary coverage is required for a physician providing substitute coverage for an insured, locum tenens coverage may be added to the insured’s policy by endorsement. Coverage for this rule is in effect for up to 180 days.

You can switch now, its called a “mid-term switch” and our customers do it all the time! In fact, you will probably see significant savings. Click here to learn more.

MedMal Direct Insurance Company is privately-held and owned by private individuals, including many physicians and surgeons. We are managed with a long-term perspective with focus on:

  • Providing the highest quality customer service in the industry.
  • Aggressive defense of non-meritorious lawsuits.
  • A steadfast commitment to the financial strength of our company.
  • Stringent underwriting and vigorous selection of only the finest physicians and surgeons

We focus on our clients and their needs rather than those of Wall Street investors and analysts.

No! While some companies may entice you with an unrealistically low rate and later “assess” you for more money, we do not and will not. The premium we charge for this year’s policy is the only premium that will ever be charged for that policy. Policyholders do not have any personal liability for losses incurred by our past claims.

MedMal Direct is licensed and regulated by the Florida Office of Insurance Regulation (FOIR) as a medical malpractice property and casualty insurance company. To verify our licensure (our Certificate of Authority) in Florida, please go to the FOIR website company search page:

In addition, MedMal Direct is licensed and admitted by the insurance department of each state in which we operate. To verify our licensure (our Certificate of Authority) in the states in which we operate, please go to the company search page of each insurance department below:

Department Of Insurance:




North Carolina:





MedMal Direct files quarterly and annual statements and other information to the National Association of Insurance Commissioners (NAIC). To view our filed financial statements and other information, please go to the NAIC website company search page:

Claims-made policy coverage responds when claims are made against a current insured of the company. Occurrence policy coverage responds for claims that occur during a certain policy period, regardless of when the claim was made.