When legal challenges arise, the cost of a strong defense can quickly become overwhelming. Attorney retainers, expert witnesses, and court fees add up fast — often running into the tens of thousands of dollars before a case even goes to trial.
Gulf Atlantic's legal defense policy provides Florida physicians with $100,000 in coverage per claim, with a $200,000 annual aggregate, dedicated specifically to defense expenses, and higher limits are available. Unlike traditional malpractice insurance that prioritizes payouts, our policy focuses on what matters most — ensuring you can hire the best possible defense team without draining your practice or personal finances.
With Gulf Atlantic, you gain access to a panel of respected medical malpractice defense attorneys located throughout the state — attorneys you likely already know or know of. Prefer to choose your own counsel? You have that option too, with flexibility to select an attorney you trust; in addition to attorneys’ fees, we also cover court costs, expert witness fees, and other litigation expenses, so you’re never caught off guard by surprise bills.
Our policy was born during Florida’s malpractice crisis of the early 2000s, when premiums skyrocketed and many doctors had no choice but to self-insure. Today, those costs are rising again — but with Gulf Atlantic, you don’t have to carry that burden. Our policies cost only 15–20% of what traditional malpractice insurance costs, saving physicians thousands of dollars each year while still delivering the protection they need. Optional add-ons, like Medicare/Medicaid defense and licensing action defense, are also available for added peace of mind.
For Florida doctors, this level of protection is more than just a safety net — it’s a smarter, more affordable way to defend your livelihood. With Gulf Atlantic on your side, you can focus on caring for your patients while we focus on protecting your career, your reputation, and your future.
