With Princeton Insurance on your side, you can rest assured that your interests will be well-represented if you are sued. Our claims management program is professional, comprehensive, aggressive, and New Jersey-based. The attorneys we retain to defend our policyholders are professional liability experts who are second-to-none in their defense capability. Our reputation as a no-nonsense insurer willing to “go the distance” to protect our policyholders against claims that should be defended is well-established.

Our claims philosophy is simple. Provide the finest claims service possible. Defend the cases that should be defended and resolve those that should be settled as expeditiously and economically as possible. This philosophy has served our policyholders well.  Since the company was founded more than 34 years ago, we have brought over 54,000 claims to a conclusion - the vast majority of which were resolved in favor of our insureds.

The legal climate today is particularly challenging. The legal protections afforded to healthcare providers are the subject of intense debate. The amount of money required to defend cases, settle claims and pay judgments is higher than it ever was. The demands of plaintiffs’ attorneys continue to grow. We must be extremely vigilant in focusing on the specific circumstances of each claim as soon as it is filed.

At Princeton, every claim is closely analyzed by experienced professional claims personnel and by knowledgeable attorneys with special expertise in defending medical liability cases. Our claims management/supervisory team averages 30 years experience in the industry; our claims consultants’ average years in the field exceeds 22. The attorneys on our approved counsel list are recognized medical liability experts who consistently obtain favorable results in most of the cases they take to trial.

In addition, the physicians and nurses on our in-house medical review panel, which includes 27 different specialties, scrutinize the merits of the claims they review to help us identify early on which cases are clearly defensible and should be prepared for trial as well as potentially problematic cases which may be candidates for settlement.

During the life of each case, our claims staff remains closely involved in not only the investigation and discovery process, but also in the development and execution of important strategic decisions. They also monitor every case that proceeds through trial and personally attend those that require first-hand observation.

Finally, for insureds whose cases are taken through trial, we make every effort to help them become more comfortable with the trial process including, where appropriate, assisting them in preparing for their appearance at trial.