How to Apply

Advocate, D.O. is a fully admitted, professional medical liability insurance company licensed in the state of Texas.

Individual Professional Liability Coverage
For solo physicians and their medical corporations

Medical Corporation
For medical groups and clinics and their medical staff

Employees
Non-Physician Health Care Providers

Medical Board Defense
We will defend disciplinary actions arising from proceedings instituted by the Texas Medical Board. The standard limits are $20,000 per claim/$60,000 aggregate.

Indication/Quote Process

Indications are available to physicians prior to reviewing their application. The indication is an estimate that is based on the physician’s county of practice, specialty, desired limits and retroactive date. Indications are not binding.

Once the physician applies, the underwriter can evaluate if the applicant qualifies for discounts. It is important to disclose full and truthful information on the application so that your policy will cover all of your practice and procedures. If you fail to disclose important procedures, you may not be covered for that added exposure. Once all information on the applicant is reviewed, a quote is given which the physician may then accept or decline. A policy is bound and issued upon receipt of premium payment.

Information to Include When Applying

• Complete and signed application
• Copy of current policy Declarations Page
• Copies of Claims status reports and the Physician’s narrative on each claim. Include any additional and relevant claim information
• Curriculum Vitae (CV) or resume on physician (not required but helpful)

Notes:

• Please keep a copy of the application for your records
• Incomplete applications will delay premium proposals and quotes
• Applications must not be older than 90 days prior to requested effective date.