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Mercator Risk Services provides Medical Professional Liability insurance, or Medical Malpractice, for a range of medical organizations. They focus on hard to place physicians and surgeons, miscellaneous medical service providers, and managed care accounts. The medical industry has been undergoing significant change in the last decade, and the medical malpractice insurance market has responded accordingly. Much of the change in the medical industry has been driven by managed care initiatives and the medical communities response to it. On top of this change is the deteriorating loss experience of medical malpractice insurers and the resulting recent tightening insurance market. With the tightening market and changes driven by managed care, some medical risks are being forced into the specialty lines market. Hard-to-place physicians is a growing market segment and Mercator Risk Services can provide assistance. The tightening medical malpractice insurance market is manifesting itself in a number of different ways: Increasing prices Tighter underwriting criteria Insurer withdrawals Restricted terms and conditions Examples of hard-to-place physician accounts include physicians with or involved in the following: A significant number of claims Temporary service Foreign experience Experimental treatments Internet/on-line medical information service Medical consulting on the side Specialty medical groups Mercator Risk Services can usually utilize an application you have to get started (other than a renewal application), or they can provide a specialized application for your client. Hard to Place: They also handle hard to place, distressed and unusual accounts, such as accounts with claims or financially impaired accounts. Let them know about your clients’ needs and they’ll provide you with information and assistance with your particular situation or account and Errors & Omissions Liability coverage. For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on their products, insurance applications, and Specialty Lines insurance information on their Web site www.mercatorpro.com.