Upstream Insurance Brokers

Excellent malpractice coverage is critical to the secure, worry- free practice of medicine. You know your medical practice and Upstream Insurance knows and understands malpractice insurance. We are adept at putting together malpractice programs that are designed to meet your specific requirements. Whether for a multi-specialty group practice, a community health organization, hospital-contracted group practice, urgent care clinic, or coverage for an individual physician – we have the expertise to place your policy competitively with A or better-rated insurance carriers.

Custom Solutions

Thinking "out of the box" enables us to place coverage rated on numbers of patient visits, reads or revenues. The standard policy that is charged for each individual physician can be costly and difficult to administer. Our programs allow your practice greater flexibility by enabling physicians to work part time or come and go from the practice without having to purchase a costly "tail." And without the necessity of scheduling and re-scheduling physicians – all can be automatically covered as long as they are working for the group practice.

We recently rated a new pathology group on revenues rather than total number of physicians, placed coverage with an A+ rated carrier and saved the practice 45% over their previous standard malpractice policy. The savings were significant, both in terms of premium and the amount of time required to administer the policy.

Claims Handling

Insurance policies are just paper until you have a claim. No one expects or anticipates a claim, but they do happen to the best – sometimes when you least expect it.

At Upstream, we believe there should be no surprises in how the claim is handled. We will provide the guidance and assistance that make the difference between merely surviving a claim or achieving the best possible outcome for you and your practice.

Programs and Carriers

Some of the many programs we have available are:

Among the malpractice carriers we represent are:
Catlin Specialty Insurance Company, The Doctors Company, Evanston Insurance Company, Lexington Insurance Company ProAssurance, Admiral Insurance Company.

For other lines of coverage, our carriers include:
Chubb, Lloyd's of London, Travelers, Liberty Mutual, Hartford, Ace, Zurich, Chartis.

Whether your practice is nationwide or community-based, Upstream can round out your malpractice exposure by placing all your lines of coverage: GL, Property, D&O/EPLI, Billing E&O and Workers' comp to mention but a few.

To discuss how we can improve your current program, please call Susan Fontaine at 713.600.5424.