How to insure doctors, physicians and surgeons


A doctor’s ability to earn a sizeable income is predicated on the ability to see patients, perform surgery, and further their education. Traditional insurers often fall short of the replacement ratios necessary to protect a doctor’s income adequately.

Exceptional Risk Advisors provides high limit disability solutions for medical professionals. Coverage is for “own occupation”, and Residual and COLA benefits are available.

  • High Limit Disability
  • Key Person Coverage
  • Disability Buy-Out
  • Business Overhead Expense
  • Accidental Death and Dismemberment
  • Kidnap and Ransom
Case Studies
  • A leading Cancer Surgery Center employed an elite surgeon that delivered a significant portion of revenue to the hospital. Exceptional Risk Advisors principals secured a $10 million Key Person Disability policy, which would pay the hospital if the surgeon suffered a disability.
  • A surgeon earning $900,000 per year obtained $20,000 per month of disability coverage through traditional outlets. Exceptional Risk Advisors underwrote an additional $25,000 per month, followed by a lump sum of $900,000 of disability coverage for the surgeon.