Apply for Professional Liability Insurance in Miami and South Florida

No. We do not sell or bind insurance. We help you understand what coverage you need, collect and compare quotes from insurers, prepare the application and handle the paperwork; the insurer decides whether to issue the policy and on what terms.

Any licensed provider who sees patients on their own account: physicians, nurse practitioners, physician assistants, therapists, counselors and other clinicians. In South Florida you will be asked for proof of it by the Florida Department of Health under the financial responsibility rules, by every health plan during credentialing and by the facility or landlord where you practice.

A claims-made policy covers claims reported while the policy is active, which is why tail coverage matters when you leave it; an occurrence policy covers incidents that happened during the policy period regardless of when the claim is filed. We explain what each means for your situation before you decide.

Your Florida license and specialty, training and board status, the procedures you perform, where and how many hours you practice, and any prior claims or disciplinary history. We help you present that information completely and accurately.

The premium is set by the insurer based on your profession, specialty, procedures, hours, claims history and the coverage limits you choose, and it differs between Miami-Dade, Broward and the rest of the state. We do not quote prices; we gather quotes from several insurers and explain the differences in the first conversation.

Whether the old policy was claims-made and needs tail coverage, what limits your new plans and facilities require and whether there is any gap between the two policies. We line those up before you request quotes so the new policy starts where the old one ends.

Yes. Plans in Miami-Dade and Broward ask for the policy face sheet as part of provider credentialing and set minimum limits, and the same document goes into your CAQH profile. We make sure the coverage you apply for satisfies every plan you intend to join.

Yes. Insurers ask for the same information as they would from any provider, but the training and work history have to be documented in a way they can verify, and our bilingual team prepares that file with you in English or Spanish, by appointment or remotely.