Your Questions, Answered

  • L&J Insurance Services specializes in custom medical malpractice insurance solutions for healthcare providers whose practices may not fit neatly into standard insurance products. We work with providers offering emerging procedures, fee-for-service treatments, telemedicine services, and other specialized care models to help secure coverage that reflects the full scope of their work.

    We also partner with healthcare providers who have experienced previous med mal claims, legal complexities, medical board action, been non-renewed or declined by an insurance carrier, and more. We understand that a single event doesn’t define who you are as a provider or the care you deliver. We’re here to help share your story and find a company that aligns with your needs and current situation.

  • We work with a wide range of healthcare providers, including physicians, advanced practice clinicians, med spa owners, medical directors, telemedicine providers, and multi-state practices. Many of our clients operate in specialties or care models that traditional insurance carriers may hesitate to insure, including aesthetics and emerging treatments. 

    We also help healthcare providers who are struggling to find coverage due to past claims, disciplinary actions, legal challenges, or insurance non-renewals. 

  • L&J serves as your insurance broker and strategic advisor. We work with multiple malpractice insurance carriers to find coverage options that align with the realities of your practice. Our role is to advocate for you, structure coverage that accounts for all of your professional activities, and guide you through complex situations that insurance companies may initially decline.

  • No. Many of our clients are independent providers, solo practitioners, or small practices. We frequently work with entrepreneurial healthcare professionals who are building their own practices or expanding beyond traditional care settings.

Telehealth & Emerging Risks

  • Many malpractice policies can include telehealth coverage, but coverage details vary by carrier and policy. Factors such as practicing across state lines or providing virtual care in new treatment areas can affect how coverage applies. We help review policies to ensure telehealth services are appropriately included.

  • Telehealth and remote care models have introduced new considerations around licensure, documentation, and patient evaluation. As care models evolve, it’s important to ensure your malpractice coverage reflects how you actually practice medicine today.

    Beyond being required, med mal insurance helps protect you, your practice, your assets, and your reputation and should be an essential part of every provider’s financial security strategy.

  • Yes. Many of our clients operate in emerging or evolving areas of medicine. We help providers evaluate potential liability risks tied to new procedures, technologies, or practice models and identify insurance solutions that support those changes.

Med Mal Coverage

  • Medical malpractice insurance (also called medical professional liability insurance) protects healthcare providers if they are accused of negligence, errors, or omissions related to patient care. Coverage typically helps pay for legal defense costs, settlements, or judgments that may arise from claims connected to professional medical services.

  • Requirements vary depending on state regulations, hospital privileges, and employer policies. Many healthcare systems require malpractice coverage to maintain privileges, and certain specialties or practice settings may require minimum coverage limits.

    Beyond being required, med mal insurance helps protect you, your practice, your assets, and your reputation and should be an essential part of every provider’s financial security strategy.

  • If your policy is written on a claims-made basis, you may need tail coverage when leaving a job, changing insurance carriers, or retiring. Tail coverage protects you if a claim is filed after your policy ends for services you performed while the policy was active. We help providers evaluate their options so they remain protected during these transitions.

Process & Next Steps

  • Shopping for malpractice insurance quotes requires basic paperwork including an application, your CV, claims history reports, and current med mal insurance info (if applicable). We will use the same application and supporting documentation to approach all potential insurance companies. Our team will walk you through the information needed so carriers can provide accurate quotes.

  • Yes. Reviewing existing policies is often the best place to start. We can evaluate your current coverage, identify potential gaps, and discuss whether other options may better align with your practice.

  • You can contact our team to schedule a consultation or request a coverage review. We’ll learn about your practice, the services you provide, and your coverage goals so we can begin exploring the right malpractice insurance solutions for you.

General Coverage & Services