Reply to Excess med mal insurance -- where do you find this?

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[quote=Anonymous]OP back, thanks for the advice thus far. Incidentally, I'm the husband; physician spouse is the wife.

Re asking colleagues: We have tried, and none carry excess coverage. For most physician families, it seems that the physician is often the primary wage earner. Here, that is not our situation; the physician income is a very small fraction of our annual income. In all events, we'd like at least 10m in excess med mal coverage, and we have yet to hear from a physician friend with such coverage in place.

Re commercial insurance poster--I know! Our insurance broker has no idea where to turn. Which is why I posted here with hopes that someone else may have thought through this before.

Re structuring assets--Yes, we do that to a bit. But my wife doesn't love the idea--reasonable in my view--that we should structure our finances such that she is not titled on the bulk of the assets we bring in. Moreover, rather than hedge against risk by trying to render her judgment proof, we'd much rather have adequate insurance in the event of a catastrophic loss, as we do for the balance of our risk factors. The whole point is that, in the event of a claim, we'd like to be able to resolve it via an in limits settlement; we do not want to get hit with a significant judgment and then attempt to avoid payment. [/quote]

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