Inexpensive, nontraditional liability programs aren't always a bargain

While nontraditional medical liability programs, such as captives or risk retention groups, may be appealing alternatives for physicians looking for lower rates and more control over their liability coverage, before jumping into these alternative programs, physicians should be aware of the red flags that make these programs less attractive. According to Medical Liability Monitor (3/2005), physicians should stay away from alternative programs that, among other things: