Claims guidance when something happens
Know who to call, what to report, and what happens next. Sheltra helps coordinate the first steps, works with the carrier, and stays available as questions come up.
Malpractice insurance
for physician groups
Compare 5+ A-rated insurers.
Get claims guidance and help keeping premiums in check.
Book a free coverage review
Starts with a 7-minute call about your current policy and renewal.
Trusted by independent groups
Support beyond the renewal
A broker for the work between renewals.
Independent physician groups need more than a quote once a year. Sheltra helps with claims guidance, carrier negotiations, certificates, roster changes, and the policy updates that come with running a growing practice.
See our resourcesPremium advocacy at renewal
We review the renewal, gather the information carriers need, and take your coverage to market when a broader check makes sense—so the incumbent quote is not your only reference point.
Help as your practice changes
Add providers or locations, update entities and staff, request certificates, and work through policy questions with a responsive broker between renewals.
Coverage by specialty
Built around how you practice.
Start with guidance shaped around your specialty, practice structure, and renewal questions.
Orthopedics
Coverage reviews for surgical groups managing procedures, providers, and renewals.
General Surgery
Carrier and policy comparisons for independent surgical practices.
Anesthesia
Coverage clarity across entities, clinicians, facilities, and privileges.
OB-GYN
Policy reviews aligned with scope, providers, locations, and claims support.
Multi-specialty groups
One clearer view across entities, specialties, providers, and service lines.
A more complete policy review
The premium is one part of the decision.
Medical malpractice insurance should match the way your physician group actually practices. A useful review connects price to policy terms, carrier fit, claims support, and coverage continuity.
Who and what the policy needs to cover
Make sure the policy reflects how the group operates today—not how it looked at the last renewal.
- Named entities, locations, and ownership structure
- Physician roster, specialties, and procedures
- New providers, contractors, and staffing changes
Limits, coverage form, and carrier terms
Compare more than the premium so a lower quote does not hide a meaningful change in protection.
- Per-claim and aggregate limits
- Claims-made or occurrence coverage and retroactive dates
- Defense, consent-to-settle, and key endorsements
Claims support and a safe transition path
Understand the reporting and transition details before changing carriers or policy structure.
- Open incidents and claim-reporting steps
- Prior-acts or tail coverage considerations
- Effective-date coordination with no unintended gap
You chose patients. Not paperwork.
01
We assess your coverage on a 7-minute call.
02
We negotiate with 5+ A-rated insurers on your behalf.
03
You keep the same coverage. You pay less.
We only work with A-rated insurers
Sheltra compares malpractice coverage across multiple established insurers, helping independent physician groups evaluate more than a single renewal option.
Free coverage review
See what your coverage costs—and what it should do.
Start with a 7-minute call about your current policy, practice, and renewal. We will identify the questions worth answering now, the documents worth reviewing, and whether a broader market check makes sense.
What we review
Your current policy
Carrier, limits, coverage form, retroactive dates, endorsements, and the terms that deserve a closer read.
How your practice operates today
Entities, locations, specialties, procedures, provider roster, and changes since the last renewal.
Your renewal and market timing
Effective dates, quote timing, and whether checking additional A-rated insurers is likely to be useful.
Claims and coverage continuity
Reporting questions, known incidents, and prior-acts or tail considerations before any carrier change.
If a market check makes sense, Sheltra can organize the process, approach 5+ A-rated insurers, compare the terms, and negotiate on your practice’s behalf.
Book a free coverage reviewGuides for independent practices
Mar 2026
5 Questions Every Independent Physician Should Ask Their Malpractice Broker (But Almost Nobody Does)
Mar 2026
How to Switch Malpractice Carriers Without Losing a Single Day of Coverage
Feb 2026
The 3 Biggest Mistakes Independent Physicians Make With Their Malpractice Coverage
Questions from independent groups
Make the coverage decision with fewer unknowns.
A clear answer should come before a carrier change—not after it.
Book a free coverage reviewWhat should a physician group compare besides premium?
Compare the coverage itself, the entities and providers included, carrier terms, claims support, and the path for keeping coverage continuous if you change insurers. The lowest number is not useful if the policy no longer fits the practice.
Can we compare malpractice insurers before our renewal?
Yes. Sheltra starts with your current policy, practice structure, and renewal timing, then identifies whether a broader market check may help. Starting before the deadline gives your group more time to understand its options.
How does Sheltra help when a claim surfaces?
Sheltra helps your practice understand who to contact, what to report, and what happens next while working alongside the insurer's claims process. The goal is a clear, responsive path through a difficult moment.
Does changing insurers require a gap in coverage?
A change should be planned before it is made. Sheltra helps practices compare options and map the transition path so coverage continuity and carrier requirements are clear before a switch.
Who is Sheltra built to support?
Sheltra focuses on independent physician groups that want active help with malpractice coverage, insurer comparisons, claims guidance, and policy changes—not just a renewal quote once a year.
What should we have ready for a coverage review?
Your current policy and renewal date are useful starting points. A provider roster, named entities, locations, and recent practice changes can help clarify what the policy needs to account for.
What happens during the free coverage review?
The review starts with a 7-minute call about your current coverage, practice structure, renewal timing, and recent changes. Sheltra then identifies where a closer policy review or market check may be useful.
Aqil Rashid
Sheltra's CEO
"I ran a practice of 10 physicians. I didn't know I could keep the same coverage and reduce my costs."
My focus was patient care, staffing, and reimbursement. Once a year, I would get an email: "Congrats, your rate only went up 5%". That was usually the only time I heard from my broker.
I wanted malpractice insurance to feel fully handled for independent groups like mine. That's why we started Sheltra.