The Evolution of Medical Malpractice Insurance:
A 15-Year Reflection

Written By:
Lauren Anderson, Managing Director, Garrun CFP (Pty) Ltd
December 2025
When I began my journey as a broker, medical malpractice insurance for low-risk medical practitioners seemed quite straightforward. My early experiences may have differed from others, but it all felt simpler. Typically, I would send out a proposal form, the client would complete it, we would send that to Insurers/Underwriting Managers and Voila!, that was it. There were only a few providers, and their policy wordings were similar, making the process fairly predictable. Even renewals were a breeze—clients filled out a no-claims declaration (NCD) each year, and we were good to go.

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