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Medical Malpractice Insurance

As a healthcare provider, you've spent your life working to help others—but if you make a mistake, you could end up facing a medical malpractice lawsuit. With the average jury award just under $800,000, medical malpractice insurance could be the only thing standing between you and having to close down your entire practice.

However, these cases can be difficult to resolve. As noted by the National Association of Insurance Commissioners, quite a lot of funding goes into investigating claims and determining whether or not malpractice occurred. If it didn't, then patients often have no basis for a lawsuit.

If a patient does have a basis for a claim, Noltensmeyer Insurance Services agents will work with you throughout the defense process to help cover losses in the event you're found liable for malpractice. Remember, there are no forms of medicine that are immune to malpractice suits. Whether you're a general practitioner or a dedicated specialist, there's always the chance of something going wrong, and more frequently, patients believing you did something wrong.

 

Medical Malpractice Coverage

Medical malpractice policies cover liability associated with any form of wrongful practice (intentional or not), with a particular emphasis on bodily injury, property damage, and medical expenses. They also cover defending against lawsuits related to these (many of which can take more than a year to reach a successful conclusion).

There are two major types of coverage:

·         Occurrence policies cover against losses that happen during the period that a policy was in force, since many people may not file suit for more than a year after the alleged malpractice incident. Once the suit is filed, it may take more than two years to resolve.

·         Claims Made policies cover any claims that are made during the time the policy is in force (and usually for a set period of time afterward, in the case of ongoing litigation).

A majority of malpractice cases can and will be settled out of court, without ever having to risk the high claims of a trial. Noltensmeyer Insurance Services agents try to work towards this outcome whenever they can—settlements rarely happen until late in the process, but they allow for lower payouts when necessary. This helps us keep your premiums low, and protects you from the anxiety (and interruption of your business) that a trial can bring.

Be sure you know which type of medical malpractice insurance you have and how long it covers you for, since this can determine whether or not you have any coverage at all if a suit is brought against you. If you're not sure how long you'll need coverage for, one of our agents can talk with you about your plans for the future and how much insurance you need.

1. Goguen, David. "National Medical Malpractice Statistics." MedicalMalpractice.com. Accessed April 20, 2016. http://www.medicalmalpractice.com/national-medical-malpractice-facts.cfm.

2. "Medical Professional Liability Insurance." Accessed April 20, 2016. http://www.naic.org/cipr_topics/topic_med_mal.htm.

3. "What Percentage Of Medical Malpractice Cases Settle Versus Go To Trial." Lawyer Locator. Accessed April 20, 2016. http://www.lawyerlocator.com/medical-malpractice/percentage-of-cases-settled-versus-trial/.

Our Locations

Richmond/Sugar Land Office

6546 Greatwood Pkwy Suite A
Sugar Land, TX 77479
Main office: 281-609-7942

Houston Office

10777 Westheimer Rd Suite 107
Houston, TX 77042
Main office: 281-609-7942

Memorial Office

14520 Memorial Dr Ste K
Houston, TX 77079
Main office: 281-493-4111

Cook Insurance Services

140 Eldridge Road Suite F
Sugar Land, TX 77478
Main office: 281-789-6288

Godbee Insurance Agency

4655 Sweetwater Blvd Suite 250
Sugar Land, TX 77479
Main office: 832-981-2479

Tyler Office

113 Shelley Drive
Tyler , TX 75701
Main office: 903-307-2073

West Houston Office

14530 Old Katy Rd Suite 125
Houston, TX 77079
Main office: 281-819-3293

Our Providers

Testimonials

Our former provider rates went up dramatically when we added a teen driver so I called Noltensmeyer Insurance. Agent Natalie Bailey found us more coverage and better rates. The transition was quick & painless with outstanding customer service. This agency's knowledge and expertise gives us great peace of mind.
LeeinHouston
Missy Thomas has provided outstanding customer service for the 10+ years I have been with the agency. Her professionalism, insurance knowledge along with her vibrant personality make it a pleasure to do business with her/the agency. :)
Shawn
I noticed that our insurance rates kept going up, so I decided to do some comparative shopping. We decided on Noltenmeyer Insurance Services for three reasons; 1) we saved a lot of money on our insurance package, 2) the customer service is excellent and 3) they have a high degree knowledge and expertise and we are confident that we are adequately protected. What sets Noltenmeyer apart from others is their customer service. They are kind, patient and I never feel like I am a bother to them.
JoAnne
I have been with this company for years! Mt agent, Missy T. gives the BEST service and I will go where ever she goes. I think this company is lucky to have her and she needs a raise and promotion to Manager of a branch. If she could teach others her people skills this company would grow even more, and that is without TV/Radio advertisement. It would be from GREAT people skills and the circle process to figure out how to assist the client to get what they need and you get paid for it. I recommend Missy T. and her services to all my employees, family and friends when they tell me they are not happy with their insurance agent/company.
Anonymous
I have come to find I can depend on Missy for all my needs. She's quick to respond and always follows up. I appreciate Missy's work ethic and will continue to come to her with all my insurance needs.
LoLo
We have the best agent! She's always helpful, attentive, and pleasant. She always responds in a timely manner. Because of this, I have referred many clients to her who also feel she does a great job!!!
Robbins
Dan and his staff are helpful, caring experts who put my mind at ease regarding all of my insurance needs. I feel as though I am getting the best insurance coverage possible along with the best price available in the industry. The service and attention I have recieved over a number of years is unbeatable. I know, I tried another company to save a few bucks a few years ago and I am now back with Nationwide. The meager dollar savings couldn't make up for the loss of friendly, reliable service I get from everyone in Dan's office.
AnnG
Dan Noltensmeyer insurance has taken great care of me. I use them for auto, home, and my RV's. Any time I have a question or need some assistance, they have been right there to help me. I appreciate the customer service. Thank you so much!!
LeeAnn
A + For service, price and reliability. Keep up the great work, for that is why I have been a customer for over 9 years. Best Regards, C.E. Lothringer
Chazz
The Noltensmeyer Agency is about service. I have a wide array of insurance needs. The staff goes above and beyond to make sure all my needs are met. In today's world, I cannot afford to make a mistake with my coverages. I am confident that my needs have been coordinated to the best possible coverages available. I know that I could not receive this level of expertise with a discount house. I have been with Nationwide for ~ 15 years and plan to be for a long time to come.
ChrisH
I've been a customer for 13 years. Besides having to review some prices every once in a while, we've been very satisfied with Noltensmeyer Ins Serv LLC. Although I've never had to make a claim of any kind, I can count on their services for all my insurance needs. Keep up the good work...
Marroon5
I have been with Noltensmeyer Insurance for many many years.. Kristi at his office has always been so helpful and always takes time to help me when needed. I have never felt like I was just another customer. You can't find service like that anywhere these days. Thank you for always being such a great help when needed. AH
Homoki