In my experience, most physicians, many pharmacists, and some nurses have insurance that will cover legal expenses incurred while defending a complaint to a professional licensing Board. Perhaps other licensed professional do too. Check your policy, and remember, time may be short to “tender” (file) a claim. Your insurance policy may contain a requirement that you notify the insurance carrier within so many days of the claim, often a short period of time. Although I have successfully tendered one claim many months late, by persuading the insurance carrier to provide a legal defense, late acceptance of an insurance claim should be considered the exception, not the rule, so do not count on it. Seek legal counsel and act swiftly to preserve your contractual rights to insurance coverage.

When in doubt, tender the claim

I am not a “coverage attorney,” but I can review your policy with you, tender claims for you, and refer you to a coverage attorney, when and if that becomes necessary. The important thing to do, however, is to determine what insurance policy may cover your claim, and to then tender your claim to the insurance carrier(s) right away. When in doubt, tender the claim, and let the carrier explain why you do not have coverage for a particular claim. If there is a disagreement with your insurance carrier, I can refer you to a coverage attorney.