South Pinellas Medical Trust

Your trusted partner for professional liability insurance

The South Pinellas Medical Trust provides professional liability insurance to more than 200 professionals in southern Pinellas County, Florida. Founded during the professional liability insurance crisis in 1976, the Trust has been in continuous operation ever since 1976 and has saved member physicians millions of dollars.

Established in 1976

We deliver results for your practice

Founded in 1976, South Pinellas Medical Trust has been a trusted partner in the healthcare industry for over four decades. Specializing in professional liability insurance for medical professionals, we are dedicated to delivering results that safeguard your practice.

With a proven track record and a commitment to excellence, we understand the unique challenges faced by healthcare providers and strive to provide comprehensive coverage tailored to meet your specific needs.

Our History

Financial Summary

Claims Management

What to Expect


A trust, not a company.

At South Pinellas Medical Trust, we go beyond the conventional insurance provider model. We are not just a company; we are a trust dedicated to safeguarding the professional journey of physicians. Our commitment extends beyond policies and paperwork; it’s a promise to uphold the integrity of medical practitioners.

Frequently asked questions

We’re here to help answer your questions

Welcome to our Liability Insurance FAQ section, where we address common queries to help you navigate the complexities of liability coverage with ease. From understanding policy limits to clarifying claim processes, find concise answers to ensure you’re well-informed and protected.

The State Minimum coverage is $250,000 per person and $750,000 aggregate for physicians who go to Hospitals, otherwise it’s $100,000 per person and $300,000 aggregate.  You may obtain a letter of credit from a bank to meet this obligation but will be obligated to pay any potential claims yourself and all of your defense costs.

Once you stop paying premiums into a claims-made policy in order to have continuing coverage you need to have tail coverage. The Trust either fully pre-funds your tail coverage or pre-funds it over a number of years for our base 250/750 coverage. This is unique and a big advantage since our tail rates are lower than others and you don’t end up with an unexpected bill of 1.5 to 2 times your annual premium.

Yes, even if you have our $1 Million coverage, you should set up an asset protection plan with an attorney specializing in this area to protect you in the event of a runaway jury verdict.

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Quick & Easy application

Apply today to get started

Discover our streamlined application process, allowing you to sign up for liability insurance effortlessly. With user-friendly steps and clear instructions, securing the coverage you need has never been quicker or more straightforward.