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Underwriters typically assign applicants for malpractice insurance to one of three
categories based upon the nature of the risk they are being asked to assume.
Preferred Risks
Most underwriters will treat any applicant
as a preferred risk if the applicant meets stringent underwriting standards based
upon the applicant's medical specialty, credentials, personal habits, malpractice
claims, and other criteria.
Standard Risks
Those applicants
that do not qualify as preferred risks and are not considered to be special risks
are considered by underwriters to be standard risks.
Policy Descriptions
At HealthCare Professionals' we offer a complete range of insurance policy
types. Click here for a list of some of the major
policies and a brief description of how they protect you and your practice.
Unique and Special Risk Policies
Applicants that are engaged
in a unique or unusual type of medical practice,or have a history of claims, or
have been canceled or declined by other underwriters or otherwise do not meet
the underwriter's criteria for preferred or standard risks are considered special
risks. Click here to link to our Unique and Special
Risk Policies Section
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