To find an Independent Agent or the Medical Protective Market Manager representing your area, choose ”About Us / Find An Agent”. Select a state and a listing of Medical Protective authorized Independent Agencies or Brokerages, along with Medical Protective sales representatives will be displayed. Each contact has both a telephone and email link to assist you in reaching them.
Become a member of the website?
Click Login/Register (found on the navigation bar at the top of the screen). Becoming a Member of our site is fast and easy. Complete the information on that screen, and select your User Name and Password. Once you are a member, you are ready to enjoy all the benefits of site membership.
Can I pay for my policy with a credit card?
Credit card payment is not available at this time. However, this is something we are studying for the future.
How do I log in?
Click Login/Register (found on the navigation bar at the top of the screen). Enter your User Name and Password, and then press Submit.
How do I apply online for a new policy?
Applying online is easy, but first you must be a site member. Click Login/Register (found on the navigation bar at the top of the screen) to join. After you have registered as a member of our site, and are logged on, select Get an Indication and Apply from the navigation bar. You are then ready to start your online application.
What is risk management?
In a general sense, risk management is any activity that reduces the likelihood of loss. Any activity that prevents loss is a type of risk management. And there are many ways in which risk management protects individuals and organizations from loss. If you wear boots on an icy day, you are preventing damage to your shoes and you are reducing risk that you might slip and fall, injuring yourself. From a business perspective, you might transfer risk by purchasing fire insurance; this engages another party to assume your risk and it allows you to be able to predict your expenses and spread them over time and over the number of other insured parties. In a clinical sense, risk management helps you understand where the losses are occurring that result in professional liability lawsuits. As the oldest healthcare professional liability insurer, Medical Protective analyzes closed claims, extrapolates data from its risk management teams' reports, monitors professional and government actions that impact healthcare-and uses this information to inform, educate, and, in some instances, warn physicians, dentists, and healthcare organizations about traditional as well as emerging risk issues.
What kinds of risk management services are available from Medical Protective?
Any healthcare professional or organization insured by Medical Protective is entitled to educational, information, and consultative services:
- Each insured doctor receives a free subscription to Protector, the nation's oldest healthcare risk management publication.
- Educational programs are scheduled each year in numerous cities throughout the country. These hotel-based seminars provide up-to-date information about numerous risk issues. They include home studies designed to reinforce the material covered during the seminar. And both components offer Continuing Education hours (CMEs for physicians/ CDEs for dentists).
- Risk management education materials are also available on line or in text format. Physicians and dentists can choose programs relevant to their risk management needs. All programs are accredited to provide CMEs or CDEs.
- On-line risk management information and updates are also available at Medical Protective's website, located at www.medpro.com. Included in the Risk Management section of the site are self-assessments that healthcare professionals can use to design/update their practice's risk management programs. On-line risk management manuals are customized for hospitals, medical practices, and dental practices.
- A library of risk management articles and publications can also be found on the site; it continues to expand with frequent updates and new information.
- Each of six service regions of the U.S. offers Medical Protective insureds the risk management expertise of a knowledgeable risk management consultant who can provide prompt answers to risk management questions or concerns.
- A variety of additional services, including staff-focused education, litigation support, and customized consulting services are also available.
How does risk management protect me from liability?
Medical Protective has dedicated its risk management expertise exclusively to the healthcare professions for over 100 years. In that time it has become increasingly clear that poor outcomes and lawsuits are often triggered by poor communication. These risks include: a) doctor and patient don't have the same expectations; b) the patient was not fully informed of the risks or benefits of treatment options; c) the patient didn't feel any sense of obligation about complying with the treatment plan; d) important information was not sent or transmitted in ways that ensured the progress and success of the patient's treatment; e) the doctor and patient didn't have an effective working relationship.
Traditionally, the healthcare professional has been considered the caption of the patient's care, solely accountable for the success or failure of the treatment. In fact, many other individuals and entities participate in the patient's care - and the number of these participants, including technology, will continue to increase. No doctor can stay on top of every aspect of a patient's care, regardless of how knowledgeable and dedicated he or she may be.
Risk management reduces liability by helping doctors understand that communication processes and business practices are more often the causes of patient injuries than actual negligence on the part of the practitioner. Risk management helps doctors reduce liability through: a) more effective communication skills; b) better working relationships within their own teams and with other health care providers; and c) consistency in the way that clinical processes occur. Medical Protective assumes the role of identifying key learning factors. It also focuses on education that is pragmatic in a world that is short on time and money.
Risk management education helps reduce liability but there are no guarantees that it can always prevent a lawsuit. However, it has played a significant role in the doctors' ability to win lawsuits-contributing to the company's trail win rate of 93%.