Miscellaneous Medical Professional

Overview of the Program from Kaigler & Company

Kaigler & Company offers a Miscellaneous Medical Professional program designed for small medical practices and new facility set-ups that lost coverage due to a recent carrier non-renewal. This market provides access to Lloyd’s and select domestic carriers and is positioned for straightforward primary care and other lower-to-moderate-exposure medical specialties. We provide underwriting flexibility for submissions that have a solid application and clean loss history, and we will require Kaigler & Company’s application to bind coverage.

Ideal Accounts and Appetite

• Preferred: General practitioners (GPs), family physicians, and internists—single-provider or small group practices.
• Good fit: Clinic-based specialties without high surgical exposure, outpatient-only practices, urgent care centers with low surgical procedures.
• Case-by-case: Certain specialty clinics and multi-specialty groups—submit for review.
• Declined: OB/GYN, orthopedic surgery, and neurosurgery (neuro) – these specialties are not accepted in this program.

Coverage Highlights and Advantages

• Access to Lloyd’s and other domestic carriers who will consider accounts displaced by larger carriers’ non-renewals.
• Underwriting willing to review “good” applications already completed by brokers; saves time on indications.
• Competitive terms for lower-exposure providers and new facility set-ups when underwriting criteria are met.
• Focus on placing professional liability (medical professional) coverage tailored to outpatient and clinic exposures.

Underwriting Notes and Binding

We can indicate terms from an existing, fully completed application you have already prepared. That indicated offer is preliminary—Kaigler & Company requires our own application to bind coverage. Typical underwriting considerations include practice location, claims and disciplinary history, scope of services, number of providers, and any surgical exposure. Clean applications with complete documentation are handled more quickly.

Please disclose prior carrier non-renewals and the reason when available; non-renewals due to carrier-wide underwriting changes can often be placed if the practice meets the program’s appetite.

Territories and Availability

This program is available in the following states and districts:

AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.

Availability and terms will vary by carrier and state—submit to Kaigler & Company for state-specific eligibility and filings.

Why Work with Kaigler & Company on Miscellaneous Medical Professional Business

• Specialized focus on displaced and newly established medical practices that need a fast, practical placement.
• Direct access to Lloyd’s and select domestic carriers that can respond to non-renewal situations.
• Practical underwriting that leverages a well-prepared application to speed indications while retaining Kaigler & Company’s binding requirements.
• Responsive broker support for submission preparation and carrier negotiation.

Example scenarios where this program fits: you have a client who is a solo internist whose account was non-renewed when a large carrier exited a regional book—Kaigler & Company can evaluate and often place such risks. Or a new community clinic started by a group of family physicians that needs primary professional liability coverage for outpatient services.

Frequently Asked Questions

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