What is Informed Consent?

By John Torosian | January 7, 2020

            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 medicine is the process by which a physician fully explains a medical treatment or procedure to a …

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Benefits of Working with an Independent Insurance Broker

By John Torosian | November 26, 2019

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 that a captive agent works FOR an insurance company while an independent broker works WITH many …

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Common Medical Malpractice Terms and What They Mean

By John Torosian | November 6, 2019

Medical malpractice insurance can be confusing. There are many commonly used terms and phrases used in malpractice insurance that most people are unfamiliar with. If you have found yourself wondering what your medical malpractice insurance broker is talking about or just want to learn a little more about what goes in to a policy, hopefully …

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Common Malpractice Issues for Pediatricians

By John Torosian | October 1, 2019

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 children. Common Malpractice Issues The most common …

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Presidio Profile: Shirin Shakeri

By John Torosian | July 11, 2019

Do you have any hobbies that occupy your time outside of work? When I am not in the office, I am usually spending my time with my pup, Harley! I also love doing DIY projects around my new house. Slowly but surely, I am turning a real fixer upper into my dream home. I love …

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6 Types of Medical Professionals That Should Consider Occurrence Coverage

By John Torosian | July 2, 2019

Young Doctors Flexibility for changes that will affect their career Easy to change coverage in case of selling practice, moving out of state or joining a hospital No tail coverage necessary Recruiters More convenient for large groups that have changes in rosters Doctors who leave the group are covered for their time when they worked …

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Professional Liabilty Insurance for MediSpas

By John Torosian | June 19, 2019

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 day-to-day operations while malpractice insurance provides coverage for …

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

By John Torosian | May 14, 2019

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 policy’s retroactive date is the date after …

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Introduction to Business Owners Policy Insurance

By John Torosian | April 17, 2019

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 business. …

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Why Doctors in Hawaii Should Take a Closer Look at MedPro

By John Torosian | March 27, 2019

Who is MedPro?              For most doctors, facing a claim is not a matter of “if” but a matter of “when”. As such, medical malpractice insurance should be considered a commodity. MedPro is a leader in the medical malpractice insurance industry with over 200,000 doctors insured today. A Berkshire Hathaway company, MedPro has …

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