Professional Program Insurance Brokerage

Division of Specialty Program Group, LLC

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Medical Director Insurance
for Agents & Brokers

Specialized Medical Director Coverage Designed to Bridge the Gaps in Your Clients’ Policies

Empower Your Clients with Medical Director Insurance

Your client’s Medical Director role is going to need its own layer of protection beyond a standard malpractice policy. Even if they’re not hands-on with treatment in that capacity, they’re carrying supervisory and administrative responsibility for clinical operations, protocols, and medical staff, and that kind of responsibility creates liability exposure tied to decisions, guidance, or omissions that impact patient care.

Medical Director coverage is built specifically for that gap. It responds to claims arising from: oversight of medical procedures and staff, development or approval of clinical protocols, administrative and supervisory duties tied to the directorship, alleged negligence in the Medical Director capacity itself and in some cases, direct patient care they may still be providing alongside the administrative role

If your client doesn’t have this in place, they’re carrying significant personal and financial exposure that a typical malpractice or general liability policy likely won’t pick up. Getting this coverage on the books protects them, and honestly protects you as the broker of record, since it closes a gap that could otherwise come back as an E&O issue down the line.

What facilities do we provide oversight coverage for?

Professional Program Insurance Brokers (PPIB) offers Medical Director insurance coverage across many different facilities, including:

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Medispas*

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Sleep Centers*

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Laboratories

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EMT/EMS

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School Districts*

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Independent Living / Assisted Living Centers*

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Physical Therapy Centers*

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Rehabilitation Centers

Additional Facilities We Cover:

  • Radiology Centers
  • Other Government Entities
  • Work Comp Carrier Consultations*
  • Business & Educational Facilities
  • Aging Care Centers*
  • Staffing Firms*
  • Medical Billing*
  • Occupational health*
  • Counseling & Psychology Centers
  • Occupational Therapists*
  • Private Emergency First Responders
  • Family Clinics*
  • Home Health
  • Psychiatric Hospitals and Facilities
  • Kidney Dialysis Centers
  • Sexual Health Clinics*
  • Pain Management Clinics
  • Police Departments
  • Wound Care Facilities*

*Indicates may be able to offer direct patient care

But wait, we can cover MORE!

Just because it’s not listed above doesn’t mean we don’t cover it.
Contact us if your clients have other operations not listed above to find out if they fit our program.

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Coverages for Medical Director Insurance Offered Nationwide:

  • $1,000,000/$3,000,000 Limits
  • Excess Limits Available
  • Professional Liability
  • License Action Reimbursement
  • HIPAA Defense
  • Some Direct Patient Care

Why Medical Director Insurance with PPIB?

  • Knowledgeable claims handling and underwriting staff
  • Customizable Coverage Options
  • Online Portal Access
  • Nationwide Reach
  • Dedicated support to assist you every step of the way
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Submit Your Application in 3 Easy Steps

Fill out Application

Click here to download application and complete

Complete Applicable State Form

Click here to access
state forms

Email Application & State Form

Email the Application to submissions@ppibcorp.com

Frequently Asked Questions

Medical Director insurance provides liability protection for the administrative and supervisory duties performed in a Medical Director role. It may also cover some direct patient care for certain industries.

The cost of medical director insurance can vary based on several factors. Insurance providers consider these factors when determining the premium for a policy.

Here are some key factors that influence the cost of medical director insurance:

  1. Size and scope of business – The size of your client’s business based on annual gross receipts can impact your insurance cost. Businesses with higher gross receipts typically carry greater exposure due to the volume of clients served and the range of services offered. As revenue increases, so does the potential risk and liability, which may result in higher premiums.
  2. Type of facility the medical director is overseeing – Certain facilities present higher oversight risks than others, which can lead to more significant long-term exposure if a claim occurs. As a result, the type of facility they oversee can influence the overall cost of your insurance.
  3. Claims history – Insurance companies consider the claims history and whether or not your insured has had any actions taken against their license when determining the cost of coverage. If your client has a history of claims, it may result in higher premiums.
  4. State Regulations – Insurance premiums can vary by state. Some states have stricter regulations, higher claim frequency, or more challenging legal environments, all of which can increase the cost of providing coverage. Because of this, Medical Director insurance may be priced higher in states with more complex regulatory or litigation climates.

Yes, medical director insurance policies typically have exclusions or limitations that outline specific situations or circumstances where coverage may not apply or may be limited. These exclusions and limitations can vary depending on the service being provided. Some of the main exclusions are:

  1. Interpreting medical imaging
  2. Interpreting diagnostic tests
  3. Operations not specifically listed on the policy
  4. Working outside your state regulations


It’s important to carefully review the insurance quote and policy and understand the exclusions and limitations that may apply.

We prefer you complete PPIB’s application for us to provide accurate terms. Since we have customizable coverage to offer your clients, we have specific questions we need answered. Therefore, we have created a specific application to obtain all the information we need to provide an accurate quote for your clients. Acord applications and other supplemental applications are missing many of the important questions to help obtain critical information to determine accurate terms. This is why we prefer our Medical Director application to be completed to obtain a quote. We want to make sure the quote we are providing has the most accurate terms for you to bring to your client.

Once you have a completed application email the application to submissions@ppibcorp.com.

To become appointed, we will need a copy of your Agency’s license, copy of declarations page or certificate of insurance of Agency’s E&O, W-9  and a Producer Profile Form completed. Please click here to access our New Producer Profile Form

No, we can offer you a quote without you being officially appointed, but we will need to have you appointed in order to bind.

A list of the binding requirements will be provided on the quote, in a section on the last page of the letter, advising what is needed in order to bind coverage.

Our carriers require us by contract to file all surplus lines taxes. However, brokers with Surplus Lines Licenses may be able to file taxes.

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