Custom Med Mal Coverage for Complex Risk Profiles

Had a claim? Board activity? A gap in coverage?

You’re not the only one, and you still have options.

L&J helps healthcare providers secure malpractice insurance even when their history isn’t “perfect on paper.”

We know how to position your story so carriers understand the full picture.

Get in touch
Healthcare worker wearing green scrubs with a pink stethoscope around their neck and an orange paper heart in the chest pocket.

Coverage for Situations That Aren’t Straightforward

We specialize in helping providers who:

  • Open or previous malpractice claims

  • Active or previous medical board or disciplinary action

  • Been surcharged, non-renewed, or declined by an insurance company

  • Gaps in coverage

  • Legal complexities

  • Unique or evolving practice profiles

We take care of the caregivers, no matter the situation

Founded by a nurse risk manager, L&J Insurance has spent over 40 years helping healthcare providers navigate complex risk profiles.


We understand:

  • How to present your story honestly while also appeasing carrier concerns

  • How claims and board activity are evaluated

  • When and how to move back into the standard market

  • The importance of trust and feeling understood

This is what we do every day.

Black and white portrait of a young woman with short, curly hair, wearing a nurse's cap and uniform, looking slightly to the side.

Ready to get covered?

No pressure. No endless forms. Just personalized coverage built around you and your practice.

Fax: 714-669-0134
Phone: (714) 730-0674

For Mike: Option 1
For Hannah: Option 2