Tweet By Bill Gompers Employment Practices Liability Insurance (EPLI) coverage protects an employer against employment practices liability (EPL) claims of discrimination (age, sex, race, disability, etc.), wrongful termination, and sexual harassment. Many medical practices and healthcare providers are not aware of this growing exposure and overlook the potential catastrophic loss they could face from an

By Matt Gracey Just as the heat of summer begins and ushers in hurricane season here in Florida, unfortunately other dark clouds are forming in the market for doctors’ medical malpractice insurance. For the last twelve years malpractice premiums have steadily decreased until the last few years of flat prices. As the frequency and severity

By Tom Murphy When it comes to preventing a data breach or cyber security issue at a medical practice, employers and employees should attempt to be as knowledgeable as possible to avoid making errors. This ultimately means that the practice needs a proven cyber security training program in place to make sure all employees are

By Wes Caldwell The “Key” to Buy/Sell Insurance I am often contacted by clients inquiring about key man insurance. After asking a few questions to determine what they are trying to accomplish, it usually turns out that they are actually looking for buy/sell insurance. In fact, these types of insurance, for the most part, do

By Julie Danna I was living in Panama City, FL when Hurricane Michael pretty much destroyed the community. The storm hit the Panhandle so quickly that we barely had time to prepare. This experience made me reflect on the harsh, destructive medical malpractice insurance crisis that hit Florida back in the late 1990s/early 2000s. I

Bu Matt Gracey They are called “shock losses” but industry experts are no longer shocked, but rather in a state that I would best describe as numb. Juries around the country are awarding mind blowing amounts to patients suing their doctors in medical malpractice cases. Lawsuits that end in awards over $10,000,000 against doctors are

By Tom Murphy Confusion can reign when it involves employers trying to determine if something falls under their workers’ compensation coverage or their employer liability coverage. The fact is, many employers/medical practices do not even carry employer liability insurance, otherwise known as EPLI. In Florida, any non-construction employer with four (4) or more employees is

By Tom Murphy As we prepare for the mass migration of workers’ comp professionals to the annual WCI meeting in Orlando this August, we want to provide a brief update on the current state of workers’ compensation in Florida. The Florida Department of Insurance, at the recommendation of the National Council on Compensation Insurance (NCCI),

By Matt Gracey As more doctors join hospitals or are considering doing so we are seeing more trouble created in the transactions by the doctors’ malpractice insurance tail issues.  Once a doctor terminates his or her coverage for their practice and moves into a hospital practice their policy coverage will burn up almost completely unless

In the wake of the March 13, 2014 Florida Supreme Court ruling that a 2003 law limiting damages in medical-malpractice cases was deemed unconstitutional, a more difficult, “hard market” was predicted to hit Florida’s malpractice insurance market soon. Much like the dark storms on the horizon indicating a coming storm, we are starting to see