800-353-8355

Medical Malpractice Insurance in Duluth and Alpharetta

As a healthcare provider, you've spent your life working to help others—but if you make a mistake, you could end up facing a medical malpractice lawsuit. With the average jury award just under $800,000, medical malpractice insurance could be the only thing standing between you and having to close down your entire practice.

However, these cases can be difficult to resolve. As noted by the National Association of Insurance Commissioners, quite a lot of funding goes into investigating claims and determining whether or not malpractice occurred. If it didn't, then patients often have no basis for a lawsuit.

If a patient does have a basis for a claim, Talbert Insurance Services agents will work with you throughout the defense process to help cover losses in the event you're found liable for malpractice. Remember, there are no forms of medicine that are immune to malpractice suits. Whether you're a general practitioner or a dedicated specialist, there's always the chance of something going wrong, and more frequently, patients believing you did something wrong.

 

Medical Malpractice Coverage

Medical malpractice policies cover liability associated with any form of wrongful practice (intentional or not), with a particular emphasis on bodily injury, property damage, and medical expenses. They also cover defending against lawsuits related to these (many of which can take more than a year to reach a successful conclusion).

There are two major types of coverage:

·         Occurrence policies cover against losses that happen during the period that a policy was in force, since many people may not file suit for more than a year after the alleged malpractice incident. Once the suit is filed, it may take more than two years to resolve.

·         Claims Made policies cover any claims that are made during the time the policy is in force (and usually for a set period of time afterward, in the case of ongoing litigation).

A majority of malpractice cases can and will be settled out of court, without ever having to risk the high claims of a trial. Talbert Insurance Services agents try to work towards this outcome whenever they can—settlements rarely happen until late in the process, but they allow for lower payouts when necessary. This helps us keep your premiums low, and protects you from the anxiety (and interruption of your business) that a trial can bring.

Be sure you know which type of medical malpractice insurance you have and how long it covers you for, since this can determine whether or not you have any coverage at all if a suit is brought against you. If you're not sure how long you'll need coverage for, one of our agents can talk with you about your plans for the future and how much insurance you need.

1. Goguen, David. "National Medical Malpractice Statistics." MedicalMalpractice.com. Accessed April 20, 2016. http://www.medicalmalpractice.com/national-medical-malpractice-facts.cfm.

2. "Medical Professional Liability Insurance." Accessed April 20, 2016. http://www.naic.org/cipr_topics/topic_med_mal.htm.

3. "What Percentage Of Medical Malpractice Cases Settle Versus Go To Trial." Lawyer Locator. Accessed April 20, 2016. http://www.lawyerlocator.com/medical-malpractice/percentage-of-cases-settled-versus-trial/.

Talbert Insurance Services

3473 Satellite Blvd #114

Duluth, GA 30096

Main office: 770-464-5608
Toll free: 800-353-8355
Fax: 770-813-8535

Office Hours:

Mon: 8:30 AM - 5:30 PM
Tues: 8:30 AM - 5:30 PM
Wed: 8:30 AM - 5:30 PM
Thurs: 8:30 AM - 5:30 PM
Fri: 8:30 AM - 5:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Our members’ needs are very specialized and unusual. Talbert Services acquaints themselves with our needs and works to assure that we are satisfied in the most efficient and economical ways. I recommend him highly and value our relationship both as friends and as a consultant.
Ted Madson: Executive Director of the Florida Land Surveyor's Council
Whether for my business or family, when I speak to Larry I know I am speaking to someone who is passionate about insurance. If you want to work with the best in the business, then you want to work with Talbert Insurance.
Jason Friedlander: Owner TwistSix
I’ve owned a small business for the last 8 years and Larry and his staff have been one of the major reasons we have found success. At every turn, they were there to make sue we were covered, from our Workman’s Comp, Liability, Auto, Life to Umbrella Coverage.
Global Painting & Renovations
Such great customer service! Rates are excellent. I've been a home owner with rental property for over 25 years. By switching to Talbert, it helped me to reduce premiums by bundling auto, home, and condo insurance, while maintaining pretty much the same coverage I was accustomed to! I strongly recommend looking into doing business with these folks.
Sheila G.
I have always been very satisfied with the service I have received from Talbert Insurance Services. They provide insurance for both our cars and home. You will be happy that you switched to this great company.
Home & Auto Customer
If you need Life, Auto, or Renters Insurance go see Larry and his team. I didn't know a thing about life insurance, but after leaving Larry's office, I know I'm in good hands with my policy and that I'm getting expert advice from the best in the biz. Be sure to ask Larry about his "fire wallet"....you'll be amazed!
Jason Michno
I could not ask for a better insurance company! They saved me so much over what I had been paying. When I had a claim they took great care to make sure that I had no down time and I had a check within days to replace the item.
Precision Land Surveying, Inc.
Talbert Insurance Services’ customer service has been beyond great. It is nice to work with a company that knows who you are, what you need and the importance of these things when it comes to small business owners. Thanks Talbert Insurance Services for making my day to day life a little easier.
First Choice Realty Group of GA, LLC
We are about to reach the end of our first great year with Talbert Insurance Services. We are impressed with the outstanding service from the office/support staff. Our agent, Ted B, strives to offer us the best coverages available in our industry. We look forward to many more happy years with Talbert.
Wilson Air Conditioning Service, Inc.