Physicians knew in 1991 there was a need for their own legal defense insurance company.
In 1991, the leadership of the statewide Florida Physicians Association formed a new legal defense insurance company designed to meet the many challenging legal needs of physicians as the practice of medicine in Florida became highly regulated and legally at risk.
In 2008, that same commitment to physicians – and, now all professionals in Florida – remains today for FPA Legal Defense Insurance Company as an independent, investor-owned company. FPA-LDIC offers a wide variety of legal defense insurance policies covering every professional in Florida licensed by any state governing board. Licensed entities and facilities in every industry in Florida also enjoy the same opportunities for legal defense insurance coverage previously and exclusively offered to physicians.
The leadership of FPA-LDIC strives to help you protect your license. Our staff and legal counsel are here to provide you with answers to your licensure questions.
FPA Legal Defense Insurance Company’s policies are a true insurance policy, not pre-paid legal services.
When your license is challenged by the State of Florida, whether it is the Board of Medicine, Agency for Health Care Administration, or any governing body of the Department of Business and Professional Regulation, FPA-LDIC is there to help you from the first moment of the process.
Upon notification by you of a challenge, FPA-LDIC’s panel of attorneys swing into action, taking over the legal responsibility of answering the challenge. Your coverage includes legal fees, expert witnesses, and associated legal defense costs. Your assigned attorney is with you every step of the way, protecting your interests.
In many instances, early intervention by FPA-LDIC’s panel of attorneys can resolve a challenge quickly, before it gets out of hand.
In addition to license challenges, FPA Legal Defense Insurance Company also provides defense for Federal OSHA violations, and Federal Medicare and Medicaid civil fraud audits and investigations.
It is not unusual for legal defense fees for any of these challenges to exceed $20,000 or more, with attorneys usually requesting an initial retainer fee of $5,000. Your low annual premium for FPA-LDIC’s Physicians, Doctors and Dentists policy eliminates all of this financial exposure.