Don't settle for less –

We are the Physicians Standard

The Face of Medical Malpractice Insurance

Physicians Standard Insurance Company

psic-stlmag-june2018

The Face of Medical Malpractice Insurance

How We Raise the Standard

Our understanding of the risk
You face means you avoid
Gaps in coverage

Flexible Underwriting
Flexible payment plans
Flexible limits available
You are covered!

Local Attorney contacts 
Experts in Medical Malpractice Law 
Stellar Legal Representation

Easy Renewal
Auto Draw Premiums
Easy Additions and Changes

Setting the Standard means 
We are always watching your back
and tailor coverage to meet your specific needs.

UNDERWRITING

OUR EXPERT UNDERWRITERS ARE KNOWLEDGABLE AND UNDERSTAND YOUR PRACTICE AND THE RISKS YOU FACE.  WE SPECIALIZE IN RESPONDING TO THE EVOLVING PRACTICE AND STRIVE TO ACCOMMODATE YOUR NEEDS AT EVERY TURN.  WE EVALUATE YOUR RISKS FROM EVERY ANGLE SO THAT WE CAN TAILOR YOUR COVERAGE DIRECTLY TO YOUR NEEDS.

FLEXIBLE OPTIONS

WHEN YOU WANT TO MAKE CHANGES, YOU SHOULD NOT HAVE TO WORRY IF THERE WILL BE COVERAGE.  WE OFFER MULTIPLE OPTIONS ON LIMITS FOR CURRENT COVERAGE; MULTIPLE LIMITS FOR TAIL COVERAGE (IF YOU ARE PURCHASING A TAIL THIS CAN SAVE YOU PREMIUM DOLLARS); SEPARATE OR SHARED LIMITS ON A CORPORATION OR ANCILLARY PERSONNEL;  AND MANY MORE OPTIONS THAT WE USE TO ACCOMMODATE AND PROPERLY INSURE YOUR PRACTICE. WE ALSO UNDERSTAND AND RESEARCH EVOLVING RISKS THAT YOU MAY ADD TO ENHANCE REVENUE STREAMS AND STRIVE TO COORDINATE COVERAGE AND COSTS TO MAINTAIN COMPETITIVE PRICING.

EXPERT LEGAL TEAM

MEDICAL MALPRACTICE IS A SERIOUS ALLEGATION AND OUR LEGAL TEAM HAS THE KNOWLEDGE, THE EXPERIENCE, AND WINNING TRACK RECORD.  WHEN YOU COUPLE THAT WITH AN AGGRESSIVE DEFENSE YOU HAVE A WINNING COMBINATION.  WE ALSO CONTRACT WITH LOCAL ATTORNEYS TO ASSURE YOUR CLAIMS ARE HANDLED BY ATTORNEYS THAT KNOW WHO, WHAT, WHERE, AND WHEN.

SIMPLE PROCESSES

APPLICATION PROCESSES AND RENEWAL SHOULD BE EFFICIENT, YOUR TIME IS LIMITED.  WE STRIVE FOR EXCELLENCE IN ALL WE DO AND WE UNDERSTAND HOW VALUABLE YOUR TIME IS.  WITH OUR ON LINE FORMS, YOU CAN FILL OUT AND RETURN QUICK QUOTE FORMS, APPLICATIONS, RENEWAL PAPERS, AND MUCH MORE. LEARN MORE HERE (LINK TO FORMS)  MAKING CHANGES CAN ALSO BE DAUNTING AND WE KNOW THAT THERE ARE TIME CONSTRAINTS.  WE WORK FOR YOUR PRACTICE TO ASSURE THAT YOUR EXPOSURES ARE COVERED WITH PRECISION TIMING SO YOU DON’T HAVE TO WORRY ABOUT THE ADMINISTRATIVE PART OF A NEW DOCTOR OR ADDITIONAL ADVANCED PRACTICE EMPLOYEE.

TAILORED COVERAGE

WHEN YOU PURCHASE INSURANCE, YOU WANT TO COVER WHAT YOU NEED AND DO NOT WANT TO PAY FOR WHAT YOU DON’T NEED.  WE UNDERSTAND THAT YOUR PREMIUM DOLLARS SHOULD WORK FOR YOU AND COVERAGE SHOULD NOT COME FROM A BOILER PLATE POLICY FORM.  WE TAILOR YOUR COVERAGE TO MATCH YOUR EXPOSURE AND PUT YOUR PREMIUM DOLLARS TO WORK WITHOUT GAPS IN YOUR POLICY. BUT, WE ALSO PROTECT YOU FROM OUTSIDE RISKS THAT YOU SHOULD NOT COVER BY EXPRESSLY EXCLUDING THAT EXPOSURE.  DON’T TAKE ON RISK THAT IS NOT YOURS.  WE KNOW THE DIFFERENCE.

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