Healthcare Underwriters Group

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A. Simply put, HU is building its reputation by defending yours. We have found that once contingency fee attorneys realize that they can not simply write a letter and get a check from your insurer, they are more inclined to look elsewhere for satisfaction. Over time, it may in fact be far less expensive to provide you with a vigorous defense. Historically, about 80% of all claims and suits made against health care providers are ultimately found to be without medical merit. Due to our years of experience in the field of malpractice defense, we have recognized paying a plaintiff for injuries not caused by true medical negligence only promotes further and future claims to be brought. Paying on “nuisance claims” or claims without medical merit solely to avoid the legal hassles and the accompanying expenses does not serve the physician’s reputation well, nor does it fulfill the purpose of belonging to a physician-owned insurance company.

A: There are basically two ways to build an insurance company - directly or through the use of qualified agents. It has been our experience that both distribution models develop similar costs. Unlike other lines of insurance, the sale of professional liability protection is not a process that can be automated. It takes time and complete communication to tell the HU story and to help a doctor/group through the underwriting process. To develop a successful direct sales department that could properly serve physicians throughout the state, HU would have to hire well qualified staff and spend a great deal more money on such things as marketing, advertisement, travel and entertainment (all costs currently borne to a large extent by our appointed agents). Our time and energy would be spent working to take business away from well qualified agents - a potentially costly battle. We have been able to quickly and cost effectively provide superior service to doctors throughout the state by carefully selecting agents that 1. are highly experienced in medical malpractice insurance, and 2. have a demonstrated history of putting their doctors/clients interests ahead of their own.

A. Certainly. Defense is what HU is all about. Through our extensive experience and contacts in medical professional liability, HU has identified a number of well experienced defense attorneys in strategic geographical locations around the state that will serve as learned counsel for our insured physicians. As in the world of medicine, the world of malpractice defense has honed legal specialists that have years of experience in defending health care providers. They specialize in malpractice defense, and thus have in-depth knowledge of the litigation process surrounding medical liability matters. The Claims Department will determine early the need for, and will retain the services of, such an experienced defense attorney.

The highly experienced professionals each had approximately twenty five years of experience in their respective field, including the critical insurance company functions of Finance, Operations, Underwriting, Claims, Sales and Risk Management. They utilized their experience to acquire the license and Healthcare Underwriters Group was born. Today Healthcare Underwriters Group is successful and daily aggressively defends its insured doctors. The company is managed conservatively and is financially strong. It has stabilized premiums and provides its insured doctors a strong risk management program to help prevent claims. It is governed by a Board of local doctors that are all insureds and have become insurance professionals in their own right. Healthcare Underwriters Group is positioned extremely well for the future and looks forward to protecting its insured physicians through all aspects of the next insurance cycle.

A: You can certainly assist your client but he or she may need to provide personal financial data and will need to sign the application.

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