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Physician & Surgeon Disability Insurance

As a physician or surgeon, you know full well the cost of becoming disabled in America today. With the cost of running your medical practice, paying down medical school debt, profit share contributions and more it can be a daunting thought of becoming disabled to the point where you cannot practice medicine for any period of time. Traditional health insurance plans are vital, but can’t solve every problem, particularly when a medical condition keeps you from practicing. At Kerr Insurance Brokers we have over 12 years of advising and insuring physicians for their disability and operating expense insurance needs.

Physicians & Surgeon Disability Plan

Physicians & Surgeon Disability Insurance Plan was designed to provide men
and women working in the medical field with proper levels of income protection. This plan allows medical professionals to maintain their standards of living in the event that an injury or illness leaves them unable to work. With issue limits as high as $200,000 per month (or more) and participation limits up to 75% for personal income protection and as much as 100% coverage for business uses, our Physician and Surgeon Disability Insurance Plan will provide adequate levels of disability benefits to keep physicians and surgeons properly covered.


Our Physician Disability plans may be used as:

  • Primary Coverage
  • Excess / Supplemental Coverage
  • Special Risk Coverage
  • Domestic Coverage
  • International Coverage


Physician Disability Features Include:

  • Coverage to age 67
  • Waiting periods from 30-120 days
  • Residual benefit
  • Retirement contribution protection
  • High Limits specifically for physicians and surgeons

Working in a specialty occupation like medicine necessitates a high limit disability insurance plan. Unfortunately, Physicians and surgeons can find it difficult to obtain sufficient amounts of disability insurance from traditional carriers. Disability insurance is the cornerstone of a secure financial plan. A disability resulting in a physicians inability to return to work would be financially ruinous if sufficient insurance coverage is not in place. If your a physician or surgeon and work in the medical field and are dissatisfied with your current amount of disability insurance, Kerr Insurance Physicians and Surgeons Disability Plan is the perfect solution. We will help you expertly explain disability plan options to allow you to prescribe adequate levels of income replacement through our various providers.


Our providers Include:

  • Lloyds Peterson
  • Principal
  • The Standard
  • Mutual of Omaha
  • Mass Mutual

Business Overhead Insurance for Private Practice Physicians and Surgeons

Personal disability plans will keep your family living comfortably however, if you own your own private practice individual disability will not sufficiently protect your over head expenses long enough to keep you in business. With Business Overhead Insurance you can obtain coverage up to $2,000,000 per month to cover rent, utilities, payroll, marketing. Without proper overhead coverage for your medical practice it could nearly impossible to regain footing and you may have to close your medical practice down for good.