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Medical malpractice insurance education

Learn how medical malpractice insurance works.

Med-Mal 101 explains your policy, price, limits, and coverage dates. The other courses explain practice changes, malpractice exposure, practice entities, and lawsuits.

A coastal highway curves past a MED-MAL 101 route sign

Medical malpractice education by subject.

Each course begins with its main guide. Shorter guides explain individual policy terms and decisions.

  1. 01

    Med-Mal 101

    How to read a malpractice policy, compare rates, preserve coverage for prior care, and choose terms that fit the physician and practice.

    All 15 guides
  2. 02

    Practice Transitions 101

    How to preserve coverage for prior care and confirm new coverage when a physician changes work, ownership, schedule, or career stage.

    All 8 guides
  3. 03

    Personal Asset Protection 101

    How liability policies, judgments, exemptions, trusts, guarantees, and legal ownership affect collection after a judgment against a California physician.

    All 13 guides
  4. 04

    Practice Entities 101

    How California ownership rules, entity separation, property, leases, management, and insurance divide responsibility.

    All 6 guides
  5. 05

    The Lawsuit

    What to do after notice, how a California malpractice case proceeds, and how policy limits and support affect the physician.

    All 7 guides

Calculators and checklists.

The tools compare filed rates, estimate tail costs, explain contract terms, and calculate renewal dates.

See all tools

California rate explorer

Compare filed base rates by carrier, specialty, and territory.

Use the rate explorer

Filed rate comparison

Compare the same specialty and territory across available filed-rate datasets.

Compare filed rates

Tail cost estimator

Apply filed tail factors to the filed base premium for a specialty and county.

Estimate a tail cost

Claims-made or occurrence comparison

Compare the timing and cumulative cost pattern of two policy forms.

Compare policy forms

Renewal timeline

Calculate review dates from a renewal or coverage start month.

Calculate review dates

Tail responsibility checklist

Follow the policy owner, tail clause, departure condition, written offer, and acceptance deadline.

Use the tail checklist

Job and practice changes affect coverage dates, named insureds, and prior-care protection.

The guides cover a first job, group exit, new practice, renewal, sale, closure, and retirement.

Start your first attending job or moonlight Check the policy type, tail terms, limits, and start date before you sign or begin work. Read the first-job guide Change jobs or leave a group Check your current policy, tail duty, prior acts coverage, new work, and final coverage date. Read the group-exit guide Open or buy a practice Insure the clinicians, services, entities, and locations before the first patient visit. Read the practice-opening guide Add a clinician, location, or service Tell the carrier what changed before the new person, place, or procedure starts. Choose a change guide Review a renewal or carrier Check the practice facts, policy terms, filed rate inputs, and decision date. Read the renewal guide Sell, close, or retire Plan the final coverage date, tail, records duties, entity changes, and proof of coverage. Choose an exit guide
Insurance and legal terms 120 definitions used across the guides Read the glossary California malpractice data Claims, payments, market share, rates, and MICRA schedules Read the data guide