Message From Presidio Insurance Regarding COVID19

Dear Valued Clients, We are on week two of telecommuting and adjusting to the new normal during the COVID-19 pandemic. We are going to great lengths to maintain a high level of service and adhere to our client experience commitments.  Our mission is to provide our clients with every … [Read more...]

Tail Coverage: Who Needs It and What Is It For?

What is Tail Coverage? To understand tail coverage, you must first understand how a claims-made insurance policy works. A claims-made policy responds to claims based on when the claim is made against an insured, regardless of when the incident the claim is regarding occurred. This is … [Read more...]

Which Physician Specialties are at the Highest Risk for Malpractice Claims?

In 2017, JAMA Network published their findings on the physician specialties who paid the most in malpractice claims from 1992 to 2014. Their analysis was based on data from the National Practitioner Data Bank and includes almost 20 million physician-years of data, characterized by physician … [Read more...]

What is Informed Consent?

            Most medical procedures involve a degree of risk for patients, for that reason it is important that doctors inform patients about the risks and potential side effects that can arise from a medical procedure. Informed consent in … [Read more...]

Benefits of Working with an Independent Insurance Broker

Captive and Independent Brokers      When looking for medical malpractice insurance, there are two types of brokers or agents a medical professional can work with: a captive insurance agent or an independent insurance broker. The difference between these two is … [Read more...]

Common Malpractice Issues for Pediatricians

Diagnosis in pediatrics can be difficult when treating infants and young children who are unable to cooperate. Therefore, it is not a surprise that Pediatrics is one of the most high risk for claims in comparison to other medical specialties, as most parents are very protective of their … [Read more...]

How Should Pediatricians Handle Anti-Vax Parents?

               Misinformation Regarding Vaccines Misinformation regarding the science behind vaccines has spread like wildfire over the past few years, causing many parents to question if they should have their children vaccinated. The number of children going unvaccinated in the United States … [Read more...]

Professional Liabilty Insurance for MediSpas

Medical Spas, or MediSpas, require unique insurance coverage because they are a part of both the medical and beauty industries. Due to their unique situation, MediSpas need both a Business Owners Policy and malpractice insurance coverage. A BOP is necessary to protect the company from liability from … [Read more...]

Occurrence and Claims-Made Insurance Policies: What’s the Difference?

Claims-Made Claims-made coverage responds to claims based on when the claim is made against an insured. For example, if a claim is made in 2012, based on treatment rendered in 2010, the 2012 claims-made policy responds, as long as the incident occurred after the policy's retroactive date. The … [Read more...]

Introduction to Business Owners Policy Insurance

What is a Business Owner Policy? A business owner policy or BOP is an insurance policy that combines many property and liability risks into one. A BOP includes the basic types of coverage that a business would need. You can think of it as an all-in-one insurance policy for a small to medium sized … [Read more...]