Hospital-employed doctors are covered under the hospital's policy. If you own or work at an independent practice, group clinic, or ambulatory surgery center — you're responsible for your own coverage. Most standard policies leave critical gaps.
Vascular, orthopedic, general, plastic & reconstructive surgeons operating independently. High-severity specialty requiring purpose-built limits and procedure endorsements.
One of the highest-risk malpractice specialties. Birth-related claims can reach eight figures. Independent OB/GYN practices need coverage structured for Florida's litigation environment.
IVF, REI, donor programs, and surrogacy arrangements create multi-layered liability that standard OB/GYN policies were never designed to cover. We specialize in fertility clinic malpractice.
Suicide risk management, medication misadventure, and ketamine therapy all require specialty malpractice coverage. Standard mental health policies frequently exclude or sub-limit these risks.
Epidurals, nerve blocks, spinal procedures, and interventional pain management require specific endorsements that most standard carriers exclude outright.
Cosmetic surgery, hair restoration, ketamine, peptide therapy, and longevity medicine sit where standard carriers fall short. We place coverage for practices that don't fit a standard application.
Retinal surgery, LASIK, oculoplastics, and cataract surgery — especially in ASC settings — require coordinated physician and facility liability coverage.
Minor patients mean extended statutes of limitations and higher jury awards. Independent pediatric practices need properly structured tail coverage and limits from day one.
Multi-location urgent care groups and multi-specialty clinics need a coordinated program — not individual policies with gaps between them. We build it as a single strategy.
Most retail brokers have access to 5–10 standard carriers. NextGuard operates as a specialty wholesale brokerage with access to markets your current broker likely can't reach.
Through our domestic and international wholesale relationships, we access markets that place risks standard carriers decline or overprice — giving you options your current broker likely can't offer.
We don't force your practice into a generic template. We build a submission that accurately represents your procedures, patient population, and risk profile — then compete it across multiple markets.
Adolfo Segovia works directly with Florida's LATAM and Brazilian physician communities in English, Spanish, and Portuguese — a competitive advantage no English-only broker can match.
Fully licensed in both major medical malpractice markets — ideal for physicians practicing across state lines or expanding their practice from Florida to New York.
Tail coverage, prior acts, occurrence vs. claims-made, entity vs. individual — we structure these correctly at inception so you're not discovering gaps when a claim hits.
Send us your current declarations page. We'll identify any gaps, compare your limits to your actual exposure, and tell you honestly whether you're well-covered or not.
No lengthy forms. No pressure. Just a clear picture of where you stand.
Tell us about your practice — specialty, location, procedures, current carrier. We ask the right questions to understand your real risk profile.
We build your submission and compete it across our wholesale and international market network to find the best coverage at the most competitive price.
We present your options clearly — limits, endorsements, exclusions, tail options, and pricing — so you can make an informed decision.
Once you choose, we handle binding, certificates, and ongoing policy management. You practice medicine — we handle the coverage.
Everything Florida physicians ask us before getting covered.
Complimentary 15-minute coverage review. No obligation. Just clarity.
🇪🇸 Hablamos Español · 🇧🇷 Falamos Português · Licensed in Florida & New York
