Can I purchase medical malpractice Tail insurance even if I have had a GAP in coverage?
"Yes you can. You can either send us your most recent certificate of medical malpractice insurance or fill out an application describing your gap in coverage and we will be able to offer you medical malpractice Tail insurance."
Do I have to pay for the entire medical malpractice Tail insurance up front or can I pay monthly?
"Typically we are able to bind your medical malpractice Tail insurance with 25% down and the rest of the premium will be financed for you for up to 11 months. The interest rate is affordable and we can work with you to fit your budget."
My state requires that I pay into the compensation fund. Can Clifton Insurance Agency, Inc design a medical malpractice Tail insurance policy that will satisfy the fund and my insurance needs?
"The answer is yes. We work diligently with the compensation funds in every state. We will design a medical malpractice Tail insurance policy that is more affordable so the lower malpractice premium will ultimately result in less money being paid into the fund."
If I have had a claim in my past can I still obtain medical malpractice Tail insurance from one of your carriers?
"Definately. Since you or your group has had a medical malpractice insurance claim we will need to see your loss runs history and then asses what your premium amount should be. If your claim was over five years ago then most likely it will not affect the cost of your medical malpractice Tail insurance."
If I am moving from one state to another can I obtain tail insurance that covers me for my previous work?
"Yes. Our carriers understand that you are a professional and your new medical malpractice Tail insurance policy will carry over with you to your new state."
I left my private practice and am taking a new postion with a new facility. I did not purchase medical malpractice Tail insurance when I should have and need coverage or the new facility will not hire me. Can you help me?
"Yes we can. We run into this situation constantly. Please provide us with your most recent certificate of insurance and a resume and we will get your new medical malpractice Tail insurance policy quoted. If you do not have a certificate of insurance we will need for you to fill out an application and we will have it taken care of."
My current carrier is charging me so much for my medical malpractice Tail insurance and I had no idea that it would cost this much! How can you offer the same type of coverage at a better price?
"Most of the medical
malpractice insurance carriers think that you will not seek other options for your medical malpractice Tail insurance so they charge you whatever they want. This is why we developed this new program with all of the very best carriers to give you a more affordable option for your medical malpractice Tail insurance. Our carriers are eager to save you money and earn your business."
Can I obtain medical malpractice Tail insurance even if I worked for a locums staffing company that always provided it for me?
"Yes. This is another situation that we come accross frequently. Regardless of who carried your insurance in the past we will still be able to offer you an affordable medical malpractice Tail insurance policy."
If I want to purchase medical malpractice Tail insurance can I obtain a better rate if I lower the limits of my coverage?
"Yes you can. You do not have to choose the same limits of liability that you were insured with under your most recent medical malpractice insurance policy. Lower limits can still offer you quality protection at a more affordable rate."
I am a physician that works in OBGYN and other forms of Pediatrics. Will your coverage cover me for the statute of limitations for claims in my state?
"Yes. We will cover you accordingly to protect you and provide coverage that backdates your retro active coverage so that you will not have to fear claims that could arrise."
I have never had a claim and do not anticipate having one from my previous work. I am planning to retire and do not think that I need to purchase and expensive medical malpractice Tail isurance policy. What do you recommend?
"Choosing not to purchase medical malpractice Tail insurance is never a good idea. If you do not purchase the coverage and a claim does arrise all of your personal assests can be liquidated to pay for the claim and legal fees. Visit with one of our representatives and they will work with you to design a policy that will fit your budget and allow you to pay for your medical malpractice Tail insurance policy over time."
The Physicians group that I was working for provided medical malpractice insurance for me and they have recently disbanded. I am not sure if they provided medical malpractice Tail insurance for us. What should I do?
" Typically when a group disbands they do not cover their previous employees with medical malpractice Tail insurance. It would be in your best interest to contact the carrier that provided the group with medical malpractice insurance to see if coverage was provided. If they did not provided coverage or you cannot obtain any information you need to purchase the medical malpractice Tail insurance on your own."