{"id":2554,"date":"2026-04-22T21:53:23","date_gmt":"2026-04-22T21:53:23","guid":{"rendered":"https:\/\/floreslawmiami.com\/?p=2554"},"modified":"2026-04-22T21:53:46","modified_gmt":"2026-04-22T21:53:46","slug":"normas-del-seguro-de-negligencia-medica-de-florida","status":"publish","type":"post","link":"https:\/\/floreslawmiami.com\/es\/florida-medical-malpractice-insurance-rules\/","title":{"rendered":"\u00bfTiene mi m\u00e9dico de Florida un seguro de mala praxis? Gu\u00eda para el paciente"},"content":{"rendered":"\n<style>\r\n\/* ===== FLORES MOBILE CSS ===== *\/\r\n.flores-post * { box-sizing: border-box; }\r\n\r\n@media (max-width: 768px) {\r\n  .flores-post [style*=\"grid-template-columns:repeat(auto-fit,minmax(180px,1fr))\"] {\r\n    grid-template-columns: 1fr !important;\r\n    gap: 0 !important;\r\n  }\r\n  .flores-post [style*=\"grid-template-columns:repeat(auto-fit,minmax(180px,1fr))\"] > div {\r\n    border-right: none !important;\r\n    border-bottom: 1px solid #E3E8ED !important;\r\n  }\r\n  .flores-post [style*=\"grid-template-columns:repeat(auto-fit,minmax(180px,1fr))\"] > div:last-child {\r\n    border-bottom: none !important;\r\n  }\r\n  .flores-post [style*=\"grid-template-columns:repeat(auto-fit,minmax(240px,1fr))\"],\r\n  .flores-post [style*=\"grid-template-columns:repeat(auto-fit,minmax(260px,1fr))\"],\r\n  .flores-post [style*=\"grid-template-columns:repeat(auto-fit,minmax(280px,1fr))\"],\r\n  .flores-post [style*=\"grid-template-columns:repeat(auto-fit,minmax(300px,1fr))\"] {\r\n    grid-template-columns: 1fr !important;\r\n    gap: 12px !important;\r\n  }\r\n  .flores-post [style*=\"columns:2\"] {\r\n    columns: 1 !important;\r\n  }\r\n  .flores-post h1 { font-size: 30px !important; line-height: 1.2 !important; }\r\n  .flores-post h2 { font-size: 24px !important; line-height: 1.25 !important; }\r\n  .flores-post h3 { font-size: 18px !important; }\r\n  .flores-post [style*=\"border-left:4px solid #1B4F72\"][style*=\"padding:18px 0 18px 28px\"] p {\r\n    font-size: 18px !important;\r\n  }\r\n  .flores-post [style*=\"border-left:4px solid #1B4F72\"][style*=\"padding:18px 0 18px 28px\"] {\r\n    padding-left: 18px !important;\r\n  }\r\n  .flores-post [style*=\"background:#1B4F72\"][style*=\"padding:36px 40px\"] {\r\n    padding: 28px 22px !important;\r\n  }\r\n  .flores-post [style*=\"background:#1B4F72\"][style*=\"padding:36px 40px\"] p {\r\n    font-size: 20px !important;\r\n  }\r\n  .flores-post [style*=\"padding:28px 32px\"] { padding: 22px 18px !important; }\r\n  .flores-post [style*=\"padding:26px 30px\"] { padding: 20px 18px !important; }\r\n  .flores-post [style*=\"padding:22px 28px\"] { padding: 18px 18px !important; }\r\n  .flores-post [style*=\"padding:22px 24px\"] { padding: 18px 18px !important; }\r\n}\r\n\r\n@media (max-width: 480px) {\r\n  .flores-post h1 { font-size: 26px !important; }\r\n}\r\n<\/style>\n\n\n\n<div class=\"flores-post\">\n\n\n<p><!-- BYLINE --><\/p>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-c6183afb wp-block-columns-is-layout-flex\" style=\"margin-bottom:8px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:64px\">\n<figure class=\"wp-block-image size-thumbnail is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/floreslawmiami.com\/wp-content\/uploads\/2026\/04\/jorge-l-flores-small-img-150x150.webp\" alt=\"Jorge L. Flores, Esq., Florida medical malpractice attorney\" class=\"has-border-color wp-image-2471\" style=\"border-color:#1B4F72;border-width:2px;border-radius:50%;width:64px;height:64px\" srcset=\"https:\/\/floreslawmiami.com\/wp-content\/uploads\/2026\/04\/jorge-l-flores-small-img-150x150.webp 150w, https:\/\/floreslawmiami.com\/wp-content\/uploads\/2026\/04\/jorge-l-flores-small-img-300x300.webp 300w, https:\/\/floreslawmiami.com\/wp-content\/uploads\/2026\/04\/jorge-l-flores-small-img-12x12.webp 12w, https:\/\/floreslawmiami.com\/wp-content\/uploads\/2026\/04\/jorge-l-flores-small-img.webp 512w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"line-height:1.45\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:600;margin-bottom:3px\">REVIEWED BY<\/div>\r\n<div style=\"font-size:16px;font-weight:700;color:#1a1a2e;margin-bottom:2px\"><a href=\"\/attorneys\/jorge-flores\/\" style=\"color:#1a1a2e;text-decoration:none\">Jorge L. Flores, Esq.<\/a> <span style=\"font-weight:400;color:#6d6560;font-size:14px\">&middot; Florida Bar No. 53244<\/span><\/div>\r\n<div style=\"font-size:13px;color:#6d6560\">Former hospital defense attorney &middot; Law Offices of Jorge L. Flores, P.A. &middot; <a href=\"https:\/\/www.floridabar.org\/directories\/find-mbr\/profile\/?num=53244\" style=\"color:#1B4F72;text-decoration:none\">Bar verification<\/a><\/div>\r\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><!-- BREADCRUMB + DATE --><\/p>\n\n\n<div style=\"display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;padding:12px 0;border-bottom:1px solid #E3E8ED;margin:16px 0 32px 0;font-size:13px;color:#6d6560\">\r\n<div><a href=\"\/\" style=\"color:#6d6560;text-decoration:none\">Home<\/a> <span style=\"color:#b8b2a5;margin:0 4px\">\/<\/span> <a href=\"\/medical-malpractice\/\" style=\"color:#6d6560;text-decoration:none\">Medical Malpractice<\/a> <span style=\"color:#b8b2a5;margin:0 4px\">\/<\/span> <span style=\"color:#1a1a2e;font-weight:600\">Doctor Malpractice Insurance<\/span><\/div>\r\n<div style=\"font-size:12px;color:#6d6560\">Last updated <span style=\"color:#1a1a2e\">April 22, 2026<\/span><\/div>\r\n<\/div>\n\n\n<p><!-- H1 --><\/p>\n\n\n<h1 class=\"wp-block-heading has-text-color\" id=\"does-my-florida-doctor-have-malpractice-insurance-a-patient-s-guide\" style=\"color:#1a1a2e;margin-bottom:14px;font-size:clamp(24.034px, 1.502rem + ((1vw - 3.2px) * 1.247), 40px);font-weight:700;line-height:1.15\">Does My Florida Doctor Have Malpractice Insurance? A Patient\u2019s Guide<\/h1>\n\n\n<p><!-- AI OVERVIEW LEAD --><\/p>\n\n\n<p class=\"has-text-color\" style=\"color:#3a3a3a;margin-bottom:20px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);line-height:1.55\">Florida is one of the few states that does not require every practicing physician to carry medical malpractice insurance. Many Florida doctors do carry it; others practice \u201cbare\u201d under Florida Statute \u00a7 458.320. This page explains how to check whether your doctor is covered, what the required minimum amounts look like, and what it means for your case if the doctor who harmed you has no insurance.<\/p>\n\n\n<p><!-- ========== DECISION VISUAL: IS MY DOCTOR COVERED? ========== --><\/p>\n\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:16px;margin:0 0 28px 0\">\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;border-top:4px solid #0a7a3e;padding:28px 28px 26px 28px\">\r\n<div style=\"display:flex;align-items:center;gap:10px;margin-bottom:14px\">\r\n<div style=\"background:#E8F5EE;color:#0a7a3e;font-size:11px;font-weight:700;letter-spacing:1.5px;padding:4px 10px;border-radius:3px\">TYPICALLY INSURED<\/div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700\">IF YOUR DOCTOR&hellip;<\/div>\r\n<\/div>\r\n<div style=\"font-size:19px;font-weight:700;color:#1a1a2e;font-family:Georgia,serif;line-height:1.3;margin-bottom:14px\">Works at a hospital or surgery center<\/div>\r\n<div style=\"font-size:14px;line-height:1.6;color:#3a3a3a\">Hospitals and ambulatory surgery centers almost always require proof of active malpractice insurance as a condition of staff privileges. Physicians with hospital privileges must carry at least $250,000 per claim and $750,000 in aggregate coverage under &sect; 458.320.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;border-top:4px solid #D4A017;padding:28px 28px 26px 28px\">\r\n<div style=\"display:flex;align-items:center;gap:10px;margin-bottom:14px\">\r\n<div style=\"background:#FDF3E7;color:#8a6416;font-size:11px;font-weight:700;letter-spacing:1.5px;padding:4px 10px;border-radius:3px\">CHECK FIRST<\/div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700\">IF YOUR DOCTOR&hellip;<\/div>\r\n<\/div>\r\n<div style=\"font-size:19px;font-weight:700;color:#1a1a2e;font-family:Georgia,serif;line-height:1.3;margin-bottom:14px\">Runs a private clinic with no hospital ties<\/div>\r\n<div style=\"font-size:14px;line-height:1.6;color:#3a3a3a\">Some private-practice physicians go &ldquo;bare.&rdquo; Florida law allows this if the doctor posts a written notice and agrees to satisfy judgments up to the statutory minimum. If you saw such a notice in the reception area, your doctor is uninsured.<\/div>\r\n<\/div>\r\n\r\n<\/div>\n\n\n<p><!-- ========== IS INSURANCE REQUIRED? RULES ANSWER BLOCK ========== --><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"is-medical-malpractice-insurance-required-in-florida\" style=\"color:#1a1a2e\">Is Medical Malpractice Insurance Required in Florida?<\/h2>\n\n\n\n<p>Florida does not require every licensed physician to carry a malpractice insurance policy. Florida Statute \u00a7 458.320 does, however, require every Florida physician to demonstrate \u201cfinancial responsibility\u201d in one of several approved ways; buying an insurance policy is only one of them. Three points capture the rule.<\/p>\n\n\n\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;border-top:3px solid #1B4F72;padding:22px 28px;margin:20px 0 40px 0\">\r\n<ul style=\"margin:0;padding-left:22px;font-size:15px;line-height:1.8;color:#1a1a2e\">\r\n<li><strong>An insurance policy is not mandatory<\/strong> for every Florida physician; the statute permits alternatives such as an escrow account, an irrevocable letter of credit, or a written agreement to satisfy adverse judgments from personal assets.<\/li>\r\n<li><strong>Minimum financial-responsibility amounts are set by statute.<\/strong> A physician with hospital privileges or who performs surgery at an ambulatory surgery center must meet at least $250,000 per claim and $750,000 in annual aggregate; all other licensed Florida physicians must meet at least $100,000 per claim and $300,000 in annual aggregate.<\/li>\r\n<li><strong>Hospitals and surgery centers require actual policies<\/strong> as a condition of staff privileges, which is why the majority of practicing Florida physicians are insured even though the statute itself does not strictly require it.<\/li>\r\n<\/ul>\r\n<\/div>\n\n\n<p><!-- ========== TOC ========== --><\/p>\n\n\n<div style=\"background:#F5F0E8;padding:20px 26px;margin:0 0 44px 0;border-radius:2px\">\r\n<div style=\"font-size:11px;letter-spacing:2px;color:#1B4F72;font-weight:700;margin-bottom:12px\">WHAT THIS PAGE COVERS<\/div>\r\n<div style=\"columns:2;column-gap:32px;font-size:14.5px;line-height:2;color:#1a1a2e\">\r\n<div style=\"break-inside:avoid\"><a href=\"#how-to-check\" style=\"color:#1a1a2e;text-decoration:none\">1. How to check if your doctor has insurance<\/a><\/div>\r\n<div style=\"break-inside:avoid\"><a href=\"#minimums\" style=\"color:#1a1a2e;text-decoration:none\">2. Florida&rsquo;s insurance rules and minimums<\/a><\/div>\r\n<div style=\"break-inside:avoid\"><a href=\"#going-bare\" style=\"color:#1a1a2e;text-decoration:none\">3. What &ldquo;going bare&rdquo; means<\/a><\/div>\r\n<div style=\"break-inside:avoid\"><a href=\"#uninsured\" style=\"color:#1a1a2e;text-decoration:none\">4. If your doctor is uninsured<\/a><\/div>\r\n<div style=\"break-inside:avoid\"><a href=\"#other-defendants\" style=\"color:#1a1a2e;text-decoration:none\">5. Other parties who may be liable<\/a><\/div>\r\n<div style=\"break-inside:avoid\"><a href=\"#faq\" style=\"color:#1a1a2e;text-decoration:none\">6. FAQ<\/a><\/div>\r\n<\/div>\r\n<\/div>\n\n\n<p><!-- ========== SECTION 1: HOW TO CHECK ========== --><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"how-to-check\" style=\"color:#1a1a2e\">How to Check If Your Florida Doctor Has Malpractice Insurance<\/h2>\n\n\n\n<p>Florida requires every licensed physician to report their financial responsibility status to the Florida Board of Medicine; that information is public and searchable. Three free tools let any patient verify a doctor\u2019s coverage in a few minutes.<\/p>\n\n\n<p><!-- 3 CHECK TOOLS --><\/p>\n\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:14px;margin:24px 0 36px 0\">\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:22px 24px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">01 &middot; OFFICIAL LICENSE LOOKUP<\/div>\r\n<div style=\"font-size:16px;font-weight:700;color:#1a1a2e;margin-bottom:8px;font-family:Georgia,serif\"><a href=\"https:\/\/flhealthsource.gov\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#1B4F72;text-decoration:none\">flhealthsource.gov<\/a><\/div>\r\n<div style=\"font-size:14px;line-height:1.6;color:#1a1a2e;margin-bottom:10px\">The Florida Department of Health license lookup tool shows each physician&rsquo;s active license status and any public discipline history.<\/div>\r\n<div style=\"font-size:13px;line-height:1.55;color:#3a3a3a\"><strong>What to search for:<\/strong> the doctor&rsquo;s full name, then open the profile and look at the &ldquo;Financial Responsibility&rdquo; or &ldquo;Practitioner Profile&rdquo; section.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:22px 24px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">02 &middot; PRIOR PAYOUTS<\/div>\r\n<div style=\"font-size:16px;font-weight:700;color:#1a1a2e;margin-bottom:8px;font-family:Georgia,serif\"><a href=\"https:\/\/www.npdb.hrsa.gov\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#1B4F72;text-decoration:none\">NPDB Public Data<\/a><\/div>\r\n<div style=\"font-size:14px;line-height:1.6;color:#1a1a2e;margin-bottom:10px\">The National Practitioner Data Bank aggregates every malpractice payment made on behalf of a U.S. physician. The public-use file is searchable without names; your attorney can match patterns to a specific doctor during pre-suit.<\/div>\r\n<div style=\"font-size:13px;line-height:1.55;color:#3a3a3a\"><strong>What it reveals:<\/strong> whether the doctor has a history of prior malpractice payments and the general size range.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:22px 24px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">03 &middot; THE RECEPTION AREA SIGN<\/div>\r\n<div style=\"font-size:16px;font-weight:700;color:#1a1a2e;margin-bottom:8px;font-family:Georgia,serif\">Look for the Notice<\/div>\r\n<div style=\"font-size:14px;line-height:1.6;color:#1a1a2e;margin-bottom:10px\">Florida law requires uninsured physicians to post a specific statutory notice in the reception area or hand patients a written statement. If you see such a notice, your doctor has chosen to practice without insurance.<\/div>\r\n<div style=\"font-size:13px;line-height:1.55;color:#3a3a3a\"><strong>What the notice says:<\/strong> the exact statutory wording appears in the next section below.<\/div>\r\n<\/div>\r\n\r\n<\/div>\n\n\n<p><!-- ========== SECTION 2: MINIMUMS ========== --><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"minimums\" style=\"color:#1a1a2e\">Florida\u2019s Malpractice Insurance Rules and Minimum Amounts Under \u00a7 458.320<\/h2>\n\n\n\n<p>Florida does not mandate malpractice insurance in every case, but the statute does set minimum financial responsibility amounts that every insured Florida physician must meet. The numbers depend on where the doctor practices and what kind of work the doctor performs.<\/p>\n\n\n<p><!-- TWO-TIER MINIMUMS --><\/p>\n\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;margin:24px 0 36px 0\">\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;border-top:4px solid #1B4F72;padding:26px 28px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700;margin-bottom:8px\">BASELINE TIER<\/div>\r\n<div style=\"font-size:15px;line-height:1.45;color:#1a1a2e;margin-bottom:14px;font-weight:600\">Private-practice physicians without hospital privileges or surgery-center work<\/div>\r\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:14px;padding:14px 0;border-top:1px solid #E3E8ED;border-bottom:1px solid #E3E8ED\">\r\n<div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700;margin-bottom:4px\">PER CLAIM<\/div>\r\n<div style=\"font-size:22px;font-weight:700;color:#1B4F72;font-family:Georgia,serif\">$100,000<\/div>\r\n<\/div>\r\n<div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700;margin-bottom:4px\">ANNUAL AGGREGATE<\/div>\r\n<div style=\"font-size:22px;font-weight:700;color:#1B4F72;font-family:Georgia,serif\">$300,000<\/div>\r\n<\/div>\r\n<\/div>\r\n<div style=\"font-size:13px;line-height:1.55;color:#3a3a3a;margin-top:12px\">This is the floor, not the norm. Most private-practice Florida doctors carry policy limits well above this minimum.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;border-top:4px solid #1B4F72;padding:26px 28px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700;margin-bottom:8px\">ELEVATED TIER<\/div>\r\n<div style=\"font-size:15px;line-height:1.45;color:#1a1a2e;margin-bottom:14px;font-weight:600\">Physicians with hospital staff privileges or who perform surgery at an ambulatory surgery center<\/div>\r\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:14px;padding:14px 0;border-top:1px solid #E3E8ED;border-bottom:1px solid #E3E8ED\">\r\n<div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700;margin-bottom:4px\">PER CLAIM<\/div>\r\n<div style=\"font-size:22px;font-weight:700;color:#1B4F72;font-family:Georgia,serif\">$250,000<\/div>\r\n<\/div>\r\n<div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700;margin-bottom:4px\">ANNUAL AGGREGATE<\/div>\r\n<div style=\"font-size:22px;font-weight:700;color:#1B4F72;font-family:Georgia,serif\">$750,000<\/div>\r\n<\/div>\r\n<\/div>\r\n<div style=\"font-size:13px;line-height:1.55;color:#3a3a3a;margin-top:12px\">Most Florida hospitals require far more than the statutory minimum as a credentialing condition; $1 million per claim \/ $3 million aggregate is the common industry standard.<\/div>\r\n<\/div>\r\n\r\n<\/div>\n\n\n<p><!-- SURPRISING-TO-PATIENTS CALLOUT --><\/p>\n\n\n<div style=\"background:#F5F0E8;border-left:3px solid #1B4F72;padding:18px 22px;margin:0 0 36px 0\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:8px\">&#9889; WHY THIS MATTERS FOR YOUR CASE<\/div>\r\n<p style=\"margin:0;font-size:15px;line-height:1.65;color:#1a1a2e\">The minimum limits set by &sect; 458.320 are not the ceiling on recovery; Florida has no enforceable cap on non-economic damages in private-sector cases. See our <a href=\"\/maximum-payout-medical-negligence-florida\/\" style=\"color:#1B4F72;font-weight:600\">no-cap rule guide<\/a>. However, the defendant&rsquo;s actual insurance policy remains the practical ceiling on what can be collected in most cases; a $5 million case against a doctor with a $250,000 policy is, as a practical matter, a $250,000 case unless additional defendants or bad-faith leverage applies.<\/p>\r\n<\/div>\n\n\n<p><!-- ========== SECTION 3: GOING BARE ========== --><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"going-bare\" style=\"color:#1a1a2e\">What \u201cGoing Bare\u201d Means in Florida<\/h2>\n\n\n\n<p>Florida is one of the few states that permits a licensed physician to practice without malpractice insurance. Doctors who choose this path are said to be \u201cgoing bare.\u201d The law still requires them to agree to satisfy adverse judgments up to the statutory minimum amounts, but no actual insurance policy stands behind that promise.<\/p>\n\n\n<p><!-- THE EXACT STATUTORY NOTICE --><\/p>\n\n\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;border-top:3px solid #B83232;padding:26px 30px;margin:24px 0 32px 0\">\r\n<div style=\"font-size:11px;letter-spacing:2px;color:#8a2323;font-weight:700;margin-bottom:14px\">THE EXACT SIGN LANGUAGE YOUR DOCTOR MUST POST<\/div>\r\n<div style=\"background:#F5F0E8;padding:22px 24px;margin-bottom:16px;font-family:Georgia,serif;font-style:italic;font-size:15px;line-height:1.7;color:#1a1a2e;border:1px dashed #c9c3b6\">&ldquo;Under Florida law, physicians are generally required to carry medical malpractice insurance or otherwise demonstrate financial responsibility to cover potential claims for medical malpractice. YOUR DOCTOR HAS DECIDED NOT TO CARRY MEDICAL MALPRACTICE INSURANCE. This is permitted under Florida law subject to certain conditions. Florida law imposes penalties against noninsured physicians who fail to satisfy adverse judgments arising from claims of medical malpractice. This notice is provided pursuant to Florida law.&rdquo;<\/div>\r\n<div style=\"font-size:13px;line-height:1.55;color:#3a3a3a\">If you saw a sign like this at your doctor&rsquo;s office, your doctor is uninsured and operating under the &sect; 458.320(5)(g) exemption. A similar statutory sign exists for part-time physicians who are exempt from the financial responsibility rule entirely.<\/div>\r\n<\/div>\n\n\n<p><!-- HOW PHYSICIANS GO BARE --><\/p>\n\n\n<p>The statute gives uninsured physicians several ways to demonstrate financial responsibility instead of buying an insurance policy. The most common alternatives are:<\/p>\n\n\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;margin:18px 0 36px 0\">\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:20px 22px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:8px\">OPTION A<\/div>\r\n<div style=\"font-size:15px;font-weight:700;color:#1a1a2e;margin-bottom:6px\">Escrow Account<\/div>\r\n<div style=\"font-size:13.5px;line-height:1.55;color:#1a1a2e\">Cash or eligible assets held in escrow in the statutory minimum amounts. May not be used for defense costs or attorney&rsquo;s fees.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:20px 22px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:8px\">OPTION B<\/div>\r\n<div style=\"font-size:15px;font-weight:700;color:#1a1a2e;margin-bottom:6px\">Irrevocable Letter of Credit<\/div>\r\n<div style=\"font-size:13.5px;line-height:1.55;color:#1a1a2e\">Issued by a bank, payable to the injured patient upon presentation of a final judgment against the physician.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:20px 22px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:8px\">OPTION C<\/div>\r\n<div style=\"font-size:15px;font-weight:700;color:#1a1a2e;margin-bottom:6px\">Sign and Agree<\/div>\r\n<div style=\"font-size:13.5px;line-height:1.55;color:#1a1a2e\">Post the reception-area sign above and formally agree, on a state form, to satisfy adverse judgments up to the statutory minimum from personal assets.<\/div>\r\n<\/div>\r\n\r\n<\/div>\n\n\n<p><!-- ========== SECTION 4: UNINSURED DOCTOR ========== --><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"uninsured\" style=\"color:#1a1a2e\">If Your Florida Doctor Has No Malpractice Insurance<\/h2>\n\n\n\n<p>The absence of a malpractice insurance policy does not extinguish your right to sue. It does, however, change how the case is prepared and who the most valuable defendants are. The Law Offices of Jorge L. Flores, P.A., handles uninsured-physician cases by identifying every additional party who bears legal responsibility, because a judgment against an individual doctor without insurance is often difficult to collect from personal assets alone.<\/p>\n\n\n<p><!-- WHAT HAPPENS --><\/p>\n\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;margin:24px 0 32px 0\">\r\n\r\n<div style=\"background:#F5F0E8;padding:22px 24px;border-left:3px solid #1B4F72\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">WHAT STAYS THE SAME<\/div>\r\n<ul style=\"margin:0;padding-left:18px;font-size:14px;line-height:1.75;color:#1a1a2e\">\r\n<li>Your right to sue under Chapter 766<\/li>\r\n<li>The two-year statute of limitations<\/li>\r\n<li>The 90-day pre-suit investigation<\/li>\r\n<li>The expert affidavit requirement<\/li>\r\n<li>The damages you can claim<\/li>\r\n<\/ul>\r\n<\/div>\r\n\r\n<div style=\"background:#F5F0E8;padding:22px 24px;border-left:3px solid #1B4F72\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">WHAT CHANGES<\/div>\r\n<ul style=\"margin:0;padding-left:18px;font-size:14px;line-height:1.75;color:#1a1a2e\">\r\n<li>No insurance carrier to negotiate with<\/li>\r\n<li>Recovery depends on the doctor&rsquo;s personal assets<\/li>\r\n<li>Collection may require post-judgment proceedings<\/li>\r\n<li>Bankruptcy is a real risk after a large verdict<\/li>\r\n<li>Identifying additional defendants becomes critical<\/li>\r\n<\/ul>\r\n<\/div>\r\n\r\n<\/div>\n\n\n<p><!-- ========== SECTION 5: OTHER DEFENDANTS ========== --><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"other-defendants\" style=\"color:#1a1a2e\">Other Parties Who May Be Liable<\/h2>\n\n\n\n<p>In a case against an uninsured doctor, the most important early work is the identification of every other party whose conduct contributed to the injury. Those parties carry their own insurance and are often the source of the recovery. The five categories below are examined in every intake at the Law Offices of Jorge L. Flores, P.A.<\/p>\n\n\n<p><!-- OTHER DEFENDANTS CARDS --><\/p>\n\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:14px;margin:24px 0 36px 0\">\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:22px 24px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">01 &middot; EMPLOYER OR PRACTICE GROUP<\/div>\r\n<div style=\"font-size:15px;line-height:1.6;color:#1a1a2e\">If the doctor is employed by a medical group, clinic, or professional association, the employer may be vicariously liable under Florida agency law. The employer almost always carries its own liability coverage.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:22px 24px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">02 &middot; HOSPITAL OR SURGERY CENTER<\/div>\r\n<div style=\"font-size:15px;line-height:1.6;color:#1a1a2e\">When an uninsured doctor causes harm on hospital premises or at a surgery center, the facility may be directly liable for negligent credentialing or for the conduct of its own staff. Facilities carry substantial institutional coverage.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:22px 24px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">03 &middot; OTHER TREATING PROVIDERS<\/div>\r\n<div style=\"font-size:15px;line-height:1.6;color:#1a1a2e\">Anesthesiologists, radiologists, referring physicians, and nurses who contributed to the injury are independent defendants with their own insurance policies. A careful records review often reveals multiple responsible parties.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:22px 24px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">04 &middot; MEDICAL DEVICE OR DRUG MANUFACTURER<\/div>\r\n<div style=\"font-size:15px;line-height:1.6;color:#1a1a2e\">Where a defective device, improperly labeled medication, or product failure contributed to the harm, the manufacturer may face a separate product liability claim. Manufacturer coverage dwarfs individual physician policies.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:22px 24px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">05 &middot; THE DOCTOR&rsquo;S PERSONAL ASSETS<\/div>\r\n<div style=\"font-size:15px;line-height:1.6;color:#1a1a2e\">Under &sect; 458.320(5)(g), an uninsured physician has agreed to satisfy judgments from personal assets up to the statutory minimum. Florida homestead protection shields the primary residence, but other real estate, investment accounts, and business interests may be reachable.<\/div>\r\n<\/div>\r\n\r\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:22px 24px\">\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#1B4F72;font-weight:700;margin-bottom:10px\">06 &middot; CORPORATE OR PARENT ENTITY<\/div>\r\n<div style=\"font-size:15px;line-height:1.6;color:#1a1a2e\">Some doctors practice through chains of holding companies designed to shield assets. An experienced medical malpractice attorney traces the corporate structure during pre-suit to identify the entities with actual collectible assets.<\/div>\r\n<\/div>\r\n\r\n<\/div>\n\n\n<p><!-- PULL QUOTE --><\/p>\n\n\n<div style=\"border-left:4px solid #1B4F72;padding:18px 0 18px 28px;margin:36px 0 40px 0\">\r\n<p style=\"margin:0 0 10px 0;font-size:22px;line-height:1.45;color:#1a1a2e;font-family:Georgia,serif;font-style:italic\">&ldquo;The first question on every uninsured-doctor case is not how badly you were hurt; it is who else was legally responsible alongside the doctor. A clean case against the doctor alone is often a small case; the same case against the practice group or the hospital is often a much larger one.&rdquo;<\/p>\r\n<div style=\"font-size:12px;letter-spacing:1.5px;color:#1B4F72;font-weight:700\">&mdash; JORGE L. FLORES, ESQ.<\/div>\r\n<\/div>\n\n\n<p><!-- ========== FAQ ========== --><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"faq\" style=\"color:#1a1a2e\">Frequently Asked Questions<\/h2>\n\n\n\n<div style=\"margin:20px 0 36px 0\">\r\n\r\n<details aria-expanded=\"false\" style=\"background:#ffffff;border:1px solid #E3E8ED;border-radius:4px;padding:16px 20px;margin-bottom:8px\">\r\n<summary style=\"font-size:16px;font-weight:600;color:#1a1a2e;cursor:pointer;line-height:1.4\">Are Florida doctors required to carry malpractice insurance?<\/summary>\r\n<p style=\"margin:14px 0 0 0;font-size:15px;line-height:1.65;color:#1a1a2e\">Not universally. Florida Statute &sect; 458.320 requires physicians to demonstrate financial responsibility, but the statute allows several alternatives to a traditional insurance policy, including posting an irrevocable letter of credit, maintaining an escrow account, or agreeing to satisfy adverse judgments from personal assets (known as &ldquo;going bare&rdquo;). Hospitals and surgery centers almost always require actual insurance as a condition of staff privileges, which covers most Florida physicians who practice in those settings.<\/p>\r\n<\/details>\r\n\r\n<details aria-expanded=\"false\" style=\"background:#ffffff;border:1px solid #E3E8ED;border-radius:4px;padding:16px 20px;margin-bottom:8px\">\r\n<summary style=\"font-size:16px;font-weight:600;color:#1a1a2e;cursor:pointer;line-height:1.4\">What are the minimum malpractice insurance amounts in Florida?<\/summary>\r\n<p style=\"margin:14px 0 0 0;font-size:15px;line-height:1.65;color:#1a1a2e\">The statutory minimums under &sect; 458.320 are $100,000 per claim and $300,000 in annual aggregate for a private-practice physician without hospital privileges or surgery-center work. For a physician with hospital privileges or who performs surgery at an ambulatory surgery center, the minimum is $250,000 per claim and $750,000 in annual aggregate. Actual policy limits carried by most Florida doctors are substantially higher, with $1 million per claim and $3 million aggregate common as an industry standard.<\/p>\r\n<\/details>\r\n\r\n<details aria-expanded=\"false\" style=\"background:#ffffff;border:1px solid #E3E8ED;border-radius:4px;padding:16px 20px;margin-bottom:8px\">\r\n<summary style=\"font-size:16px;font-weight:600;color:#1a1a2e;cursor:pointer;line-height:1.4\">How do I find out if my Florida doctor has malpractice insurance?<\/summary>\r\n<p style=\"margin:14px 0 0 0;font-size:15px;line-height:1.65;color:#1a1a2e\">The fastest way is the Florida Department of Health license lookup at flhealthsource.gov, which displays each licensed physician&rsquo;s financial responsibility status. A second signal is the reception-area sign; uninsured physicians are required by &sect; 458.320(5)(g) to post a specific statutory notice, and seeing that notice means your doctor has chosen to practice without insurance. The National Practitioner Data Bank is a third resource that attorneys use during pre-suit to verify prior malpractice payment history.<\/p>\r\n<\/details>\r\n\r\n<details aria-expanded=\"false\" style=\"background:#ffffff;border:1px solid #E3E8ED;border-radius:4px;padding:16px 20px;margin-bottom:8px\">\r\n<summary style=\"font-size:16px;font-weight:600;color:#1a1a2e;cursor:pointer;line-height:1.4\">Can I sue a Florida doctor who has no malpractice insurance?<\/summary>\r\n<p style=\"margin:14px 0 0 0;font-size:15px;line-height:1.65;color:#1a1a2e\">Yes. The absence of insurance does not affect your right to sue under Chapter 766 or your entitlement to the same damages that any insured-physician case would support. The practical difference is collection; without a carrier to pay a judgment, recovery depends on the doctor&rsquo;s personal assets, any agreed-upon &sect; 458.320 financial responsibility amount, and any co-defendants such as an employer, hospital, or other treating provider who carries separate coverage.<\/p>\r\n<\/details>\r\n\r\n<details aria-expanded=\"false\" style=\"background:#ffffff;border:1px solid #E3E8ED;border-radius:4px;padding:16px 20px;margin-bottom:8px\">\r\n<summary style=\"font-size:16px;font-weight:600;color:#1a1a2e;cursor:pointer;line-height:1.4\">What is the reception-area sign at my doctor&rsquo;s office?<\/summary>\r\n<p style=\"margin:14px 0 0 0;font-size:15px;line-height:1.65;color:#1a1a2e\">Under &sect; 458.320(5)(g), a Florida physician who chooses to practice without malpractice insurance must post a specific statutory notice prominently in the reception area or provide each patient with a written statement containing the same language. The notice begins &ldquo;Under Florida law, physicians are generally required to carry medical malpractice insurance&hellip;&rdquo; and states that the doctor has decided not to carry it. If you saw such a sign, your doctor is uninsured under the going-bare exemption.<\/p>\r\n<\/details>\r\n\r\n<details aria-expanded=\"false\" style=\"background:#ffffff;border:1px solid #E3E8ED;border-radius:4px;padding:16px 20px;margin-bottom:8px\">\r\n<summary style=\"font-size:16px;font-weight:600;color:#1a1a2e;cursor:pointer;line-height:1.4\">What happens to my case if the doctor declares bankruptcy?<\/summary>\r\n<p style=\"margin:14px 0 0 0;font-size:15px;line-height:1.65;color:#1a1a2e\">A Chapter 7 or Chapter 13 bankruptcy filing by an uninsured doctor can discharge personal liability for an unpaid malpractice judgment. The bankruptcy does not, however, discharge the liability of any co-defendant such as an employer, hospital, or practice group, and it does not reach any applicable insurance proceeds. Bankruptcy is one of the primary reasons an experienced Florida medical malpractice attorney works to identify every available defendant during pre-suit; a case resting entirely on a solo uninsured doctor is fragile for this reason.<\/p>\r\n<\/details>\r\n\r\n<details aria-expanded=\"false\" style=\"background:#ffffff;border:1px solid #E3E8ED;border-radius:4px;padding:16px 20px;margin-bottom:8px\">\r\n<summary style=\"font-size:16px;font-weight:600;color:#1a1a2e;cursor:pointer;line-height:1.4\">Does the doctor&rsquo;s insurance policy limit how much I can recover?<\/summary>\r\n<p style=\"margin:14px 0 0 0;font-size:15px;line-height:1.65;color:#1a1a2e\">As a practical matter, yes in most cases. Florida has no statutory cap on non-economic damages in private-sector malpractice cases, but a judgment that exceeds the defendant&rsquo;s policy limits is not automatically collectible from personal assets. Florida bad-faith doctrine creates one exception; when an insurance carrier refuses a reasonable within-limits settlement offer and a jury later awards more than the policy, the plaintiff can pursue the carrier for the full excess judgment.<\/p>\r\n<\/details>\r\n\r\n<details aria-expanded=\"false\" style=\"background:#ffffff;border:1px solid #E3E8ED;border-radius:4px;padding:16px 20px\">\r\n<summary style=\"font-size:16px;font-weight:600;color:#1a1a2e;cursor:pointer;line-height:1.4\">Is a public hospital doctor covered by malpractice insurance?<\/summary>\r\n<p style=\"margin:14px 0 0 0;font-size:15px;line-height:1.65;color:#1a1a2e\">Physicians employed by a public hospital or a state university medical school are generally covered by a state self-insurance program rather than a private insurance policy. Claims against these defendants are governed by the sovereign immunity statute &sect; 768.28, which caps recovery at $200,000 per person and $300,000 per incident regardless of the severity of the injury. The cap on recovery is a critical threshold consideration before filing suit against a public-hospital defendant.<\/p>\r\n<\/details>\r\n\r\n<\/div>\n\n\n<p><!-- ========== OFFICIAL RESOURCES (OUTBOUND AUTHORITY LINKS) ========== --><\/p>\n\n\n<div style=\"background:#F5F0E8;padding:22px 26px;margin:0 0 32px 0;border-left:3px solid #1B4F72;border-radius:2px\">\r\n<div style=\"font-size:11px;letter-spacing:2px;color:#1B4F72;font-weight:700;margin-bottom:14px\">OFFICIAL FLORIDA RESOURCES<\/div>\r\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px 28px;font-size:14px;line-height:1.7;color:#1a1a2e\">\r\n<div><a href=\"https:\/\/m.flsenate.gov\/Statutes\/458.320\" target=\"_blank\" rel=\"noopener\" style=\"color:#1B4F72;font-weight:600;text-decoration:none\">Florida Statute &sect; 458.320<\/a><br><span style=\"font-size:12.5px;color:#6d6560\">Financial responsibility for physicians<\/span><\/div>\r\n<div><a href=\"https:\/\/flhealthsource.gov\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#1B4F72;font-weight:600;text-decoration:none\">Florida Department of Health<\/a><br><span style=\"font-size:12.5px;color:#6d6560\">Verify any Florida physician license<\/span><\/div>\r\n<div><a href=\"https:\/\/flboardofmedicine.gov\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#1B4F72;font-weight:600;text-decoration:none\">Florida Board of Medicine<\/a><br><span style=\"font-size:12.5px;color:#6d6560\">Discipline history and complaints<\/span><\/div>\r\n<div><a href=\"https:\/\/www.npdb.hrsa.gov\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#1B4F72;font-weight:600;text-decoration:none\">National Practitioner Data Bank<\/a><br><span style=\"font-size:12.5px;color:#6d6560\">Federal malpractice payment data<\/span><\/div>\r\n<\/div>\r\n<\/div>\n\n\n<p><!-- ========== MAIN CTA ========== --><\/p>\n\n\n<div style=\"background:#1B4F72;padding:36px 40px;margin:36px 0 28px 0\">\r\n<div style=\"max-width:780px\">\r\n<div style=\"font-size:11px;letter-spacing:2px;color:#9fb8d1;font-weight:600;margin-bottom:12px\">FREE CONSULTATION &middot; NO FEE UNLESS WE RECOVER<\/div>\r\n<p style=\"margin:0 0 14px 0;font-size:24px;font-weight:600;line-height:1.35;color:#ffffff;font-family:Georgia,serif\">If you were harmed by a Florida doctor and are not sure whether they carry malpractice insurance, the Law Offices of Jorge L. Flores, P.A., can verify coverage and identify every defendant responsible for your injury.<\/p>\r\n<p style=\"margin:0 0 24px 0;font-size:15px;line-height:1.6;color:#d4e4f7\">Every consultation is free, every conversation is confidential, and we do not collect a fee unless we recover compensation for you.<\/p>\r\n<div style=\"display:flex;gap:12px;flex-wrap:wrap;align-items:center\">\r\n<a href=\"\/contact\/\" style=\"display:inline-block;background:#ffffff;color:#1B4F72;padding:14px 28px;border-radius:3px;font-size:15px;font-weight:700;text-decoration:none;letter-spacing:0.5px\">Call (305) 598-2221<\/a>\r\n<a href=\"\/contact\/\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 28px;border:1px solid #9fb8d1;border-radius:3px;font-size:15px;font-weight:600;text-decoration:none;letter-spacing:0.5px\">Request a Free Case Review<\/a>\r\n<\/div>\r\n<\/div>\r\n<\/div>\n\n\n<p><!-- ========== CASE RESULTS ========== --><\/p>\n\n\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;border-top:3px solid #1B4F72;padding:26px 30px;margin:0 0 28px 0\">\r\n<div style=\"font-size:11px;letter-spacing:2px;color:#1B4F72;font-weight:700;margin-bottom:8px\">SELECTED CASE RESULTS<\/div>\r\n<p style=\"margin:0 0 20px 0;font-size:14px;line-height:1.6;color:#6d6560\">Recent matters from the Law Offices of Jorge L. Flores, P.A. See our <a href=\"\/case-results\/\" style=\"color:#1B4F72;font-weight:600\">full Case Results page<\/a> for additional matters.<\/p>\r\n\r\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin-bottom:18px\">\r\n\r\n<div style=\"padding:16px 18px;background:#F5F0E8;border-left:3px solid #1B4F72\">\r\n<div style=\"font-size:24px;font-weight:700;color:#1B4F72;font-family:Georgia,serif;line-height:1;margin-bottom:8px\">$12,250,000<\/div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700;margin-bottom:4px\">HOSPITAL NEGLIGENCE<\/div>\r\n<div style=\"font-size:13px;line-height:1.5;color:#1a1a2e\">Failure to diagnose ischemic stroke resulting in catastrophic brain injury.<\/div>\r\n<\/div>\r\n\r\n<div style=\"padding:16px 18px;background:#F5F0E8;border-left:3px solid #1B4F72\">\r\n<div style=\"font-size:24px;font-weight:700;color:#1B4F72;font-family:Georgia,serif;line-height:1;margin-bottom:8px\">$8,250,000<\/div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700;margin-bottom:4px\">DELAYED STROKE DIAGNOSIS<\/div>\r\n<div style=\"font-size:13px;line-height:1.5;color:#1a1a2e\">Failure to timely diagnose evolving stroke, producing catastrophic permanent injuries.<\/div>\r\n<\/div>\r\n\r\n<div style=\"padding:16px 18px;background:#F5F0E8;border-left:3px solid #1B4F72\">\r\n<div style=\"font-size:24px;font-weight:700;color:#1B4F72;font-family:Georgia,serif;line-height:1;margin-bottom:8px\">$3,250,000<\/div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:700;margin-bottom:4px\">BIRTH MALPRACTICE<\/div>\r\n<div style=\"font-size:13px;line-height:1.5;color:#1a1a2e\">Failure to properly read amniocentesis results, resulting in significant newborn injury.<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div style=\"padding-top:14px;border-top:1px solid #E3E8ED;font-size:11.5px;line-height:1.5;color:#6d6560;font-style:italic\">Past results are not a guarantee of future outcomes. Every case is different and must be evaluated on its own merits. The information presented here was not reviewed or approved by The Florida Bar.<\/div>\r\n<\/div>\n\n\n<p><!-- ========== RELATED RESOURCES ========== --><\/p>\n\n\n<div style=\"background:#ffffff;border:1px solid #E3E8ED;padding:24px 28px;margin:0 0 16px 0\">\r\n<div style=\"font-size:11px;letter-spacing:2px;color:#1B4F72;font-weight:700;margin-bottom:16px;padding-bottom:10px;border-bottom:1px solid #E3E8ED\">RELATED RESOURCES<\/div>\r\n\r\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px 36px\">\r\n\r\n<div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:600;margin-bottom:8px\">CASE VALUE &amp; RECOVERY<\/div>\r\n<div style=\"font-size:14px;line-height:1.85;color:#1B4F72\">\r\n<a href=\"\/maximum-payout-medical-negligence-florida\/\" style=\"color:#1B4F72;text-decoration:none;display:block\">Maximum Payout &amp; No-Cap Rule<\/a>\r\n<a href=\"\/medical-malpractice-average-settlement-florida\/\" style=\"color:#1B4F72;text-decoration:none;display:block\">Average Settlement in Florida<\/a>\r\n<a href=\"\/types-compensation-malpractice-florida\/\" style=\"color:#1B4F72;text-decoration:none;display:block\">Types of Compensation<\/a>\r\n<\/div>\r\n<\/div>\r\n\r\n<div>\r\n<div style=\"font-size:11px;letter-spacing:1.5px;color:#6d6560;font-weight:600;margin-bottom:8px\">PROCESS &amp; DEADLINES<\/div>\r\n<div style=\"font-size:14px;line-height:1.85;color:#1B4F72\">\r\n<a href=\"\/florida-pre-suit-requirements\/\" style=\"color:#1B4F72;text-decoration:none;display:block\">Pre-Suit Requirements<\/a>\r\n<a href=\"\/medical-malpractice\/how-hard-is-it-to-sue-florida\/\" style=\"color:#1B4F72;text-decoration:none;display:block\">How Hard Is It to Sue?<\/a>\r\n<a href=\"\/medical-malpractice\/\" style=\"color:#1B4F72;text-decoration:none;display:block\">Medical Malpractice Overview<\/a>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n<\/div>\n\n\n\n<\/div>\r\n<!-- \/.flores-post -->\n\n\n<p><!-- JSON-LD SCHEMA --><\/p>\n\n\n<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@graph\": [\r\n    {\r\n      \"@type\": \"Article\",\r\n      \"headline\": \"Does My Florida Doctor Have Malpractice Insurance? A Patient's Guide\",\r\n      \"description\": \"A Florida attorney explains how patients can verify whether a Florida physician carries malpractice insurance, what the \u00a7 458.320 minimum coverage amounts are, what it means when a doctor goes 'bare,' and how to recover against an uninsured physician.\",\r\n      \"image\": \"https:\/\/floreslawmiami.com\/wp-content\/uploads\/2026\/04\/jorge-l-flores-small-img-150x150.webp\",\r\n      \"author\": {\r\n        \"@type\": \"Person\",\r\n        \"name\": \"Jorge L. 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Flores, P.A.\",\r\n        \"url\": \"https:\/\/floreslawmiami.com\/\",\r\n        \"logo\": {\r\n          \"@type\": \"ImageObject\",\r\n          \"url\": \"https:\/\/floreslawmiami.com\/wp-content\/uploads\/2026\/04\/jorge-l-flores-small-img-150x150.webp\"\r\n        }\r\n      },\r\n      \"datePublished\": \"2026-04-22\",\r\n      \"dateModified\": \"2026-04-22\",\r\n      \"url\": \"https:\/\/floreslawmiami.com\/florida-medical-malpractice-insurance-rules\/\",\r\n      \"mainEntityOfPage\": {\r\n        \"@type\": \"WebPage\",\r\n        \"@id\": \"https:\/\/floreslawmiami.com\/florida-medical-malpractice-insurance-rules\/\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"LegalService\",\r\n      \"name\": \"Law Offices of Jorge L. Flores, P.A.\",\r\n      \"description\": \"Florida medical malpractice firm representing patients injured by negligent medical providers, including cases involving uninsured physicians.\",\r\n      \"url\": \"https:\/\/floreslawmiami.com\/\",\r\n      \"telephone\": \"+1-305-598-2221\",\r\n      \"priceRange\": \"Free Consultation\",\r\n      \"areaServed\": {\r\n        \"@type\": \"State\",\r\n        \"name\": \"Florida\"\r\n      },\r\n      \"serviceType\": [\r\n        \"Medical Malpractice\",\r\n        \"Hospital Negligence\",\r\n        \"Uninsured Physician Litigation\",\r\n        \"Wrongful Death\"\r\n      ]\r\n    },\r\n    {\r\n      \"@type\": \"BreadcrumbList\",\r\n      \"itemListElement\": [\r\n        {\r\n          \"@type\": \"ListItem\",\r\n          \"position\": 1,\r\n          \"name\": \"Home\",\r\n          \"item\": \"https:\/\/floreslawmiami.com\/\"\r\n        },\r\n        {\r\n          \"@type\": \"ListItem\",\r\n          \"position\": 2,\r\n          \"name\": \"Medical Malpractice\",\r\n          \"item\": \"https:\/\/floreslawmiami.com\/medical-malpractice\/\"\r\n        },\r\n        {\r\n          \"@type\": \"ListItem\",\r\n          \"position\": 3,\r\n          \"name\": \"Doctor Malpractice Insurance\",\r\n          \"item\": \"https:\/\/floreslawmiami.com\/florida-medical-malpractice-insurance-rules\/\"\r\n        }\r\n      ]\r\n    },\r\n    {\r\n      \"@type\": \"FAQPage\",\r\n      \"mainEntity\": [\r\n        {\r\n          \"@type\": \"Question\",\r\n          \"name\": \"Are Florida doctors required to carry malpractice insurance?\",\r\n          \"acceptedAnswer\": {\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Not universally. Florida Statute \u00a7 458.320 requires physicians to demonstrate financial responsibility, but the statute allows several alternatives to a traditional insurance policy, including posting an irrevocable letter of credit, maintaining an escrow account, or agreeing to satisfy adverse judgments from personal assets (going bare). Hospitals and surgery centers almost always require actual insurance as a condition of staff privileges.\"\r\n          }\r\n        },\r\n        {\r\n          \"@type\": \"Question\",\r\n          \"name\": \"What are the minimum malpractice insurance amounts in Florida?\",\r\n          \"acceptedAnswer\": {\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The statutory minimums under \u00a7 458.320 are $100,000 per claim and $300,000 in annual aggregate for a private-practice physician without hospital privileges or surgery-center work. For a physician with hospital privileges or who performs surgery at an ambulatory surgery center, the minimum is $250,000 per claim and $750,000 in annual aggregate. Most Florida doctors carry substantially higher limits in practice.\"\r\n          }\r\n        },\r\n        {\r\n          \"@type\": \"Question\",\r\n          \"name\": \"How do I find out if my Florida doctor has malpractice insurance?\",\r\n          \"acceptedAnswer\": {\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The Florida Department of Health license lookup at flhealthsource.gov displays each physician's financial responsibility status. A second signal is the reception-area sign; uninsured Florida physicians are required to post a specific statutory notice under \u00a7 458.320(5)(g). The National Practitioner Data Bank is a third resource that attorneys use during pre-suit to verify prior malpractice payment history.\"\r\n          }\r\n        },\r\n        {\r\n          \"@type\": \"Question\",\r\n          \"name\": \"Can I sue a Florida doctor who has no malpractice insurance?\",\r\n          \"acceptedAnswer\": {\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Yes. The absence of insurance does not affect your right to sue under Chapter 766 or your entitlement to damages. The practical difference is collection; without a carrier to pay a judgment, recovery depends on the doctor's personal assets, any \u00a7 458.320 financial responsibility amount, and any co-defendants such as an employer, hospital, or other treating provider who carries separate coverage.\"\r\n          }\r\n        },\r\n        {\r\n          \"@type\": \"Question\",\r\n          \"name\": \"What is the reception-area sign at my doctor's office?\",\r\n          \"acceptedAnswer\": {\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Under \u00a7 458.320(5)(g), a Florida physician who practices without malpractice insurance must post a specific statutory notice prominently in the reception area or provide each patient with a written statement containing the same language. The notice states that the doctor has decided not to carry malpractice insurance and that this is permitted under Florida law subject to certain conditions.\"\r\n          }\r\n        },\r\n        {\r\n          \"@type\": \"Question\",\r\n          \"name\": \"What happens to my medical malpractice case if the doctor declares bankruptcy?\",\r\n          \"acceptedAnswer\": {\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A Chapter 7 or Chapter 13 bankruptcy filing by an uninsured doctor can discharge personal liability for an unpaid malpractice judgment. The bankruptcy does not discharge the liability of any co-defendant such as an employer, hospital, or practice group, and it does not reach any applicable insurance proceeds. This is why identifying every available defendant during pre-suit is critical.\"\r\n          }\r\n        },\r\n        {\r\n          \"@type\": \"Question\",\r\n          \"name\": \"Does the doctor's insurance policy limit how much I can recover?\",\r\n          \"acceptedAnswer\": {\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"As a practical matter, yes in most cases. Florida has no statutory cap on non-economic damages in private-sector malpractice cases, but a judgment that exceeds the defendant's policy limits is not automatically collectible from personal assets. Florida bad-faith doctrine creates one exception: when an insurance carrier refuses a reasonable within-limits settlement offer and a jury later awards more than the policy, the plaintiff can pursue the carrier for the full excess.\"\r\n          }\r\n        },\r\n        {\r\n          \"@type\": \"Question\",\r\n          \"name\": \"Is a public hospital doctor in Florida covered by malpractice insurance?\",\r\n          \"acceptedAnswer\": {\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Physicians employed by a public hospital or a state university medical school are generally covered by a state self-insurance program rather than a private insurance policy. Claims against these defendants are governed by the sovereign immunity statute \u00a7 768.28, which caps recovery at $200,000 per person and $300,000 per incident regardless of the severity of the injury.\"\r\n          }\r\n        }\r\n      ]\r\n    }\r\n  ]\r\n}\r\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>REVIEWED BY Jorge L. Flores, Esq. &middot; Florida Bar No. 53244 Former hospital defense attorney &middot; Law Offices of Jorge L. Flores, P.A. &middot; Bar verification Home \/ Medical Malpractice \/ Doctor Malpractice Insurance Last updated April 22, 2026 Does My Florida Doctor Have Malpractice Insurance? A Patient\u2019s Guide Florida is one of the few [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Does My Florida Doctor Have Malpractice Insurance? (\u00a7 458.320)","_seopress_titles_desc":"Florida does not require every doctor to carry malpractice insurance. Learn how to check coverage, what going bare means, and what to do if your doctor is uninsured.","_seopress_robots_index":"","_gspb_post_css":"","footnotes":""},"categories":[10],"tags":[],"class_list":["post-2554","post","type-post","status-publish","format-standard","hentry","category-medical-malpractice"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/floreslawmiami.com\/es\/wp-json\/wp\/v2\/posts\/2554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/floreslawmiami.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/floreslawmiami.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/floreslawmiami.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/floreslawmiami.com\/es\/wp-json\/wp\/v2\/comments?post=2554"}],"version-history":[{"count":3,"href":"https:\/\/floreslawmiami.com\/es\/wp-json\/wp\/v2\/posts\/2554\/revisions"}],"predecessor-version":[{"id":2559,"href":"https:\/\/floreslawmiami.com\/es\/wp-json\/wp\/v2\/posts\/2554\/revisions\/2559"}],"wp:attachment":[{"href":"https:\/\/floreslawmiami.com\/es\/wp-json\/wp\/v2\/media?parent=2554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/floreslawmiami.com\/es\/wp-json\/wp\/v2\/categories?post=2554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/floreslawmiami.com\/es\/wp-json\/wp\/v2\/tags?post=2554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}