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Coverage will be placed through The Doctors Company, the nation’s leading insurer of physician and surgeon medical liability (medical malpractice). Unlike most medical malpractice insurance companies, The Doctors Company is a physician-owned company, owned by its policyholder members. “The Doctors Company was founded by doctors for doctors. The physicians we insure are members of our organization, not just policyholders. We are uniquely aligned with our members’ interests and accountable only to them”. The Doctor's Company is fiercely committed to their founding mission: to advance, protect, and reward the good practice of medicine. The Doctors Company offers industry best coverage and claims service excellence. 

 

If insurance is not available through The Doctors Company, due to loss history or licensing issues, our agency can assist physicians in finding coverage in the non-standard market. We can address questions on medical malpractice issues, your insurance policy, the litigation process,  licensing investigation triggers, and more. Without obligation, you may request a quote for your professional liability insurance needs.

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Agency and Affiliates

 

We serve physicians across California and Michigan.  T-Gate Insurance Agency / The Doctors Agency of Michigan are captive insurance agents of The Doctors Company, specializing in the medical professional liability insurance needs of practices of all sizes.  Our team is dedicated to providing customized advice and meeting the unique insurance needs of each physician.  We are committed to excellent service, working directly with physician clients and groups to ensure appropriate insurance coverage for their practice and risk profile. 

 

Leadership

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President of the agency, Michael “Mike” Tungate, through 30+ years in medical malpractice insurance, has extensive claims experience, and a keen understanding of the litigation process.  We have worked closely with physicians and defense attorneys in conducting investigations, interviewing physicians and experts, and attending trials, mediations, and settlement conferences. Our team is acutely aware of the emotional impact of litigation on the physician, and understand the importance of maintaining the physician’s professional reputation.  

 

Prior to starting his agency, Mike acquired twenty-three years of experience in medical malpractice claims with American Physician Assurance Corporation, now known as The Doctors Company. The Doctors Company, owned by the physician policyholder members, is now a leading physician insurer nationally.

 

Mike received his Bachelor of Science in Business Administration from Central Michigan University, with a major in Finance. He holds several insurance designations including the prestigious Charter Property Casualty Underwriter (CPCU). He is a licensed Michigan agent in Property and Casualty, as well as Excess and Surplus lines and licensed as a Michigan insurance adjuster.

 

Mike began his career in insurance with Transamerica Insurance Company in 1979. He started managing medical malpractice Claims as a Representative for Michigan Physicians (later known as The Doctors Company). Mike advanced to Regional Manager, with the responsibility for managing claims operations across Michigan, Florida, and New Mexico.  After 20+ years Mike became an agency founder to leverage his specialized knowledge in medical malpractice insurance.  

 

Our team is available for on-site individual review and discussion of medical malpractice needs. We will assist with inquiries regarding insurance policies and provisions that include: definition of a claim, insurance agreement, policy exclusions, consent to settle, and policy conditions.  We will evaluate physician needs and will coordinate with underwriting to provide a meaningful analysis of claims history, to obtain the most favorable insurance coverage and premium rate for our customers.

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