Medical Malpractice
Legal Defense
Florida law allows you to optout of traditional medical malpractice insurance by choosing to self-insure, or "go bare." A combination of self-insuring and a Gulf Atlantic Legal Defense Insurance policy can provide you with protection while saving tens of thousands a year! Gulf Atlantic Legal Defense Insurance provides doctors with statewide coverage for legal fees and defense costs.
Keep control. Save Thousands. Stay protected. Don’t pay for coverage you don’t need.
Why Physicians in Florida are switching to Legal Defense
More doctors across Florida are realizing that malpractice insurance no longer meets their needs. Malpractice Insurance premiums cost tens of thousands of dollars per year and they continue to rise while inflation coupled with reduced reimbursement rates strain practice profitability. As insurance premiums rise, many doctors have decided the benefits of traditional insurance no longer justifies the cost.
In Florida, physicians can legally self-insure, or go bare, by simply agreeing to pay a judgment against them up to a maximum limit of $250,000. While that may sound like a lot, most cases are settled and many times a self-insured physician can obtain a settlement for much less than an insurance company can obtain.
A Gulf Atlantic Legal Defense Policy provides doctors who choose to self-insure the ability to aggressively defend any claim, both to defeat it and to position you for a favorable settlement if settlement is necessary. For an affordable premium, you get up to $100,000 in coverage for attorney's fees, expert witnesses, and court costs.
The Decision to Self-insure
The decision to self-insure represents a responsible decision to manage your own risk. Our protection was designed specifically for self-insured Florida physicians-so you can focus on your patients instead of worrying about unexpected high insurance costs or unexpected legal bills.
See how self-insuring coupled with a Gulf Atlantic Legal Defense policy, compares to your insurance.
Built for Florida Physicians
Gulf Atlantic’s legal defense policy was designed specifically for the unique needs of self-insured Florida physicians. Our policy is an important part of a responsible self-insurance plan.
When you decide to self-insure, Gulf Atlantic is here to help.
Frequently Asked Questions
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