Focus on Your Patients…
We’ll Focus on Your Baltimore Practice.

Established in 2002 and among the premier physician-driven medical malpractice insurance company’s in the country, Positive Physicians Insurance Exchange, offers experienced insurance and risk management services to medical professionals in Baltimore and provides focused, physicians-driven programs. Positive Physicians has been assigned a Financial Stability Rating of A, Exceptional, from Demotech, Inc. and is reinsured by Lloyds of London.

We take great pride in having developed a progressive and systematic approach to protecting physicians from risk. This type of specialty focus coupled with our ability to provide rates as much as 20% lower than the competition is why Positive Physicians has been the choice for hundreds of practices across our bourgeoning coverage area.

Please find a listing of the coverages we offer for Baltimore practices. If interested in a free online quote and demonstration of our services, please fill out the form to the right or or contact us. If you want a free online insurance and financial diagnostic, click hereor on the box to the right.

Occurrence Coverage
Occurrence policies cover any incident while the policy is (or was) active, regardless of when the incident is reported or when it becomes a claim.

Claims Made Coverage 
A claims-made policy covers claims reported while your policy is active.

Claims-Made Plus Coverage
Claims-Made Plus  polices offer general coverage with  pre-paid, tail coverage

Prior Acts Coverage 
Prior acts coverage provides coverage for claims that were made while insured under  a prior claims-made policy.

Tail Coverage 
Tail coverage protects you against  claims that occurred  during previous claims-made  policy coverage, and the claim is made after policy termination.

Positive Physicians Insurance Exchange is committed to providing medical specialty physicians with features and benefits that help increase patient safety, improve overall medical care and decrease medical malpractice litigation and policy costs. We offer custom risk and claims management and aggressive claims defense with leading defense counsel who specialize in Baltimore medical liability cases.

Positive Physicians’ Medical Review Board is comprised of your peers from various specialties and geographically representative regions of the state. Board supervision extends to every aspect of the company, including:

  • Risk Management
  • Claims
  • Potentially Compensable Events
  • Physician Dispute Settlement

For more information on our Baltimore medical malpractice insurance services, contact us for a Free Quote.

Statute of Limitations for Maryland Medical Malpractice Cases

Under Maryland medical malpractice law, patients only have a certain amount of time to file a lawsuit against a healthcare professional for committing medical malpractice. This time limit is known as thestatute of limitations.

In general, patients must file a medical malpractice claim within either five years from the date that the healthcare professional caused the injury or within three years from when the injury was discovered, whichever happens earlier.

Additionally, there are special limitations placed on minors. For instance, the statute of limitations does not begin to apply to injured patients until they turn 11. This amount of time is extended further if the injury involves either the reproductive system or a foreign object. In such cases, the statute of limitations does not begin to apply until the patient reaches the age of 16.

Because of these strict time limits, it is important that you consult a medical malpractice lawyer as soon as possible after you realize an injury has occurred. By waiting too long to file a claim, you may miss the opportunity to file suit.

Types of Medical Malpractice Damages in Maryland

Most states have laws that allow a medical malpractice victim to collect several types of money (called damages) if the medical malpractice claim is decided in his or her favor. Maryland is no exception.

Compensatory damages compensate an injured patient for such things as medical bills and loss of wages due to missed days of work. In additional, Maryland medical malpractice law allows victims to collect non-economic damages, which compensate victims for such things as pain and suffering.

Maryland does, in certain situations, allow injured patients to collect what are known as punitive damages. These damages are awarded to the patient to punish the medical practitioner. To receive punitive damages, you must prove that the healthcare professional did one of a number of things when breaching the standard of care, such as having malicious intent. However, because this rarely happens and because it is difficult to prove, punitive damages are rarely awarded in Maryland medical malpractice cases.


Medical Malpractice Insurance

We offer healthcare professionals a range of medical malpractice insurance options. From occurrence coverage to claims-made coverage. We can match your practice with the perfect plan based on the unique aspects of your practice.

Below is a list of coverages we offer:

  • Occurrence Coverage
  • Occurrence-Plus Coverage
  • Claims-Made Coverage
  • Prior Acts Coverage
  • Tail Coverage

Want to switch plans? No need to tail out and start again. We can always transition you from your claims made policy into an occurrence policy, thus providing you long term protection, without the expense of buying an extended reporting endorsement.

(Read More...)


PCA, a malpractice insurance exchange, is focused on our physicians and dedicated to excellence. We genuinely care about the physicians whom we insure and embrace a long-term commitment to our clients. We want to learn from and grow with the needs of the community in the most effective way. PCA will always provide stable, affordable malpractice insurance coverage, effective risk management solutions and aggressive claims management. Our reputation is founded upon constant personal service, competitive pricing and dedication to our insureds, and the reliable advice we give. PCA is the choice of thousands of medical practices across Pennsylvania and Michigan because of our commitment to serve physicians.


PCA goes further than our competition in both Pennsylvania and Michigan. We want to learn from and address the needs of the healthcare community.

Since 2003, we have helped countless physicians in Pennsylvania relax and continue providing the highest quality medical care to their patients. We believe that by implementing an integrated risk and claims management strategy, you can reduce the probability of adverse outcomes and malpractice claims and improve overall quality of care throughout the healthcare industry.

In 2013 PCA was proud to expand its coverage to Michigan where we look forward to providing the same physician centric approach to Medical malpractice coverage.

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