FLEXIBLE.
AFFORDABLE.
RELIABLE.
BOLD is a physician-owned Risk Retention Group, federally regulated and dedicated exclusively to medical professional liability. This structure ensures alignment with the needs of healthcare professionals, free from diversified commercial risks, broad risk pools, or shareholder demands for short-term profitability.
Operating nationwide, BOLD holds a Financial Stability Rating® of A (Exceptional) from Demotech and is reinsured by AmTrust (rated A by A.M. Best).
Doctor Owned
BOLD is 100% doctor owned. BOLD delivers tailored solutions that address the challenges of rising premiums, escalating verdicts, and a hardening market. The doctors that formed BOLD prioritize seamless collaboration, consistent turnaround times, competitive terms, and consistent policy support.
Competitive Rates
Underwriting isn’t Paperwork. It’s your Story. We assess each risk individually, avoiding templated pricing to ensure fairness. Low-risk practices are not overcharged, while higher-risk specialties receive deliberate, informed evaluations.
Partnership
Our service model emphasizes accessibility, no automated systems or delays. We provide direct support, staying engaged to resolve issues efficiently, which translates to smoother transactions and higher insured satisfaction.
CHALLENGES / SOLUTIONS
Protect Your Practice. Stay in Control
THE OBSTACLES
A Changing Environment
Healthcare is rapidly evolving with new technologies (e.g., AI-assisted diagnostics, telemedicine), shifting standards of care, pandemics or crises prompting liability shields or new risks, rising patient expectations, electronic records, advanced treatments, and ongoing reforms or debates over evidence-based vs. customary practice rules. This creates an unpredictable, multifaceted landscape where risks, insurance dynamics, and liability rules keep shifting.
Traditional Carriers Are Too Slow
Big carriers are built for scale, not efficiency when your career is on the line. They price risk from a distance, file rates they can’t change, spread exposure across unstable pools, and answer to shareholders & quarterly cycles. Large carriers look good until you need them to move.
BOLD ADVANTAGE
BOLD ADVANTAGE
Strength in Membership
As a member-owned Risk Retention Group formed under the Liability Risk Retention Act, BOLD puts control back with the medical professionals carrying the responsibility and risk.
Faster, More Focused
Costs stay disciplined. Coverage stays tailored by specialty. Retentions and limits flex where venues get difficult. You’re aligned with peers who understand exposure and invest in best practices that reduce it over time.
You Call, We Answer
We have a deep understanding of the industry and are always ready to respond. You won’t get call trees, delays, or excuses.
INTERVENE EARLY, SOLVE QUIETLY.
THE
METHOD
BOLD’s risk management platform focuses on what actually reduces exposure:
EMR best practices
Credentialing standards
Patient safety protocols
Ongoing compliance monitoring
AI- driven insights that identify risk early
Coverage built for real practice.
Claims-made & modified claims-made forms
Incident-sensitive options when nuance matters
Flexible limits via CEIL & CEOL
DDR tail earned after two consecutive policy periods
Stand-alone ERP for clean, predictable exits
Flexible retentions, including difficult venues
Lower claim frequency. Lower defense costs. Better outcomes—for patients and providers.
States we serve
BOLD provides medical professional liability coverage in 49 states nationwide.
Wherever we operate, we offer state-approved coverage limits and can provide additional options upon request. Our physician-owned model means more control, value, and insurance solutions designed with providers in mind.
Allergy & Immunology
Anesthesiology
Cardiology
Chiropractic Medicine
Cosmetic
Surgery
Critical Care
Dentist
Emergency Medicine
Endocrinology
Family Medicine
Gastroenterology
General Surgery
Gynecology
Infectious Disease
Internal Medicine
Medical Director
Nephrology
Neurological Surgery
Neurology
Oncology
Ophthalmology
Oral Surgery
Orthodontics
Orthopedic Surgery
Otolaryngology
Pain Management
Pediatrics
Plastic Surgery
Podiatry
Practice Entity Representation
Psychiatrist
Pulmonary
Radiology
Rehab and Behavioral Health
Urology
Vascular Surgery
GET A BOLD QUOTE
The team at BOLD works diligently to maintain an excellent relationship with physician members and our agents and broker networks alike, providing flexible, cost-effective medical malpractice solutions.
Medical professional liability insurance coverage for physicians, advanced practice providers, allied healthcare professionals, medical practice and facilities – Call us at (561) 940-1178 or email [email protected] for more information.
