It can be tempting for clinicians to think that providing less information might secure a lower premium or a simpler application. We sometimes hear frustration over the detailed questions insurers ask, from procedures and patient volumes to hospital history and past claims. This can be from clinicians or brokers.
However, experience shows that more information upfront leads to better protection. Sometimes while information may not be self-evident as to why it makes a difference to quotes, it may represent an impactor which can alter your policy if not declared correctly.
Medical malpractice insurance cannot be treated as a simple paper-form exercise. Both the clinician and the broker have a responsibility to scrutinise the application carefully to ensure it accurately reflects the scope of practice.
Why full disclosure matters
Incomplete or “managed” information carries real risks:
- Coverage gaps: Claims related to undisclosed procedures or practice areas may be excluded.
- Delays and disputes: Missing details can slow claims handling.
- Professional exposure: Regulatory or reputational complications can arise if coverage is inadequate.
At THEMIS, we design policies based on three core metrics:
- Individual clinical volume: Procedures, surgeries, OPAs, Additional discipline questions.
- Clinical experience: Prior hospitals, years as a substantive consultant, and claims history.
- Live claims data: Frequency and severity of relevant claims.
By focusing on these factors, we tailor coverage to each clinician’s real risk profile, rather than offering a generic policy.
Observations
Clinicians often describe the application process as detailed or time-consuming, especially in complex specialties. Yet those who provide full, accurate information are far better supported when claims arise. Conversely, omissions, even unintentional, can create uncertainty and complications during claims handling.
The bottom line
Premiums are visible, but they are not the whole story. Transparency and thoroughness in your application safeguards your career, finances, and patients. By giving underwriters, a complete view of your practice, you secure coverage that truly protects you; when it matters most.
For more information about THEMIS Clinical Defence, click here.
