TDC Study Finds Diagnostic Errors, Communication Failures Drive Radiology Malpractice Claims

November 4, 2026 by matray

Diagnostic errors and communication breakdowns are leading contributors to radiology malpractice claims, with nearly half of the cases examined involving serious permanent injury or patient death, according to a new analysis from The Doctors Company.

The medical professional liability insurer reviewed 735 closed malpractice claims involving radiologists from 2010 through 2025, finding that 75% involved diagnosis-related allegations, including failure to diagnose, incorrect diagnosis or delayed diagnosis.

Nearly half, 47%, of the claims involved high-severity injuries resulting in significant permanent harm or death. Indemnity payments were made in 42% of cases, with an average payment of approximately $456,000. Average gross expenses incurred were $76,000 per claim.

The findings appear in The Doctors Company's Malpractice Risk Review: Radiology Claims, a November 2026 report examining negligence allegations, contributing factors and strategies for reducing patient harm.

Clinical judgment errors were identified as contributing factors in 80% of radiology claims. These included misinterpretation of diagnostic imaging studies, an overly narrow diagnostic focus and failure or delay in ordering appropriate tests.

Communication breakdowns contributed to approximately 26% of claims, most frequently involving failures to exchange critical information between healthcare practitioners. Behavior-related factors, including patient failure to comply with recommended follow-up studies or treatment plans, were identified in approximately 20%.

Although clinical judgment errors were substantially more common, claims involving communication failures generated the highest average indemnity payments among the major contributing factors examined.

The average payment for claims involving communication breakdowns was $518,000, compared with $487,000 for clinical judgment errors and $444,000 for behavior-related factors. Claims involving documentation deficiencies averaged $511,000, while those involving technical skill deficiencies averaged $423,000.

Because individual claims could involve multiple contributing factors, the percentages exceeded 100% when combined.

Beyond diagnosis-related allegations, 13% of claims involved medical treatment, 5% involved patient safety and security, and 3% involved surgical treatment.

The analysis identified cognitive errors as a central contributor to missed or delayed diagnoses. Radiologists may overlook abnormalities because of diagnostic assumptions, distractions, visual fatigue or excessive workloads, according to the insurer.

The report distinguishes between interpretive errors, in which an identified abnormality is incorrectly characterized, and perceptual errors, in which an existing abnormality is overlooked entirely. Citing research on radiology diagnostic errors, The Doctors Company reported that perceptual errors account for 60% to 80% of such errors, compared with 15% to 28% for interpretive errors.

Faster reading rates, higher imaging volumes and studies interpreted near the end of a work shift were associated with increased perceptual errors.

The insurer recommended standardized checklists for commonly missed diagnoses, consistent image-review patterns, reduced interruptions during complex studies and scheduling practices designed to minimize fatigue.

It also identified artificial intelligence detection systems as potentially useful tools for flagging abnormalities and recommended obtaining second interpretations when imaging findings are uncertain.

Communication failures represent another significant area of liability exposure, particularly when unexpected or potentially serious imaging findings are not promptly conveyed to the physician responsible for the patient's care.

The Doctors Company emphasized the importance of closed-loop communication, in which the radiologist delivers a significant finding, the receiving practitioner acknowledges the information and the sender verifies receipt.

The approach is consistent with the American College of Radiology's practice parameters for communicating diagnostic imaging findings, which recommend prompt notification of significant, unexpected findings that could adversely affect patient outcomes.

The insurer also recommended documenting nonroutine communications, including the date, time, method of communication and identity of the recipient.

An accompanying case study illustrates how diagnostic and communication failures can combine to produce a fatal outcome.

The case involved a patient admitted to a community hospital with chest pain who subsequently underwent angioplasty and stent placement at a regional medical center.

An initial chest x-ray was interpreted as unremarkable, although a subsequent expert review identified a visible lung nodule. A second x-ray performed the following day at the regional medical center revealed a suspected lung mass and recommended additional imaging to exclude malignancy.

However, the radiologist did not notify the treating cardiologist, and a system error prevented the report from appearing in the patient's medical chart. The cardiologist discharged the patient without learning of the abnormal finding.

Nearly a year later, the patient was diagnosed with inoperable lung cancer after imaging revealed lesions suspicious for metastases. The patient died approximately one month after the diagnosis.

An expert reviewing the case concluded that both the initial failure to identify the lung nodule and the subsequent failure to communicate the suspicious finding fell below the standard of care.

The case demonstrates how an imaging interpretation error, combined with deficiencies in communication and electronic reporting systems, can delay diagnosis even when an abnormality is subsequently identified.

The Doctors Company also highlighted the importance of patient education as radiology reports become increasingly accessible through electronic patient portals. Practices should use understandable language when explaining findings and recommended follow-up care to help ensure patients recognize the significance of abnormal results.

The insurer concluded that reducing radiology malpractice exposure requires coordinated attention to diagnostic decision-making, communication between practitioners and reliable systems for tracking and managing significant imaging findings.

Posted in MPL company news, Studies and reports | Leave a comment
Sentinel Risk Group Expands AI Risk Assessment to Address Behavioral Health Liability

November 4, 2026 by matray

Sentinel Risk Group has expanded its artificial intelligence risk assessment and governance program for medical and behavioral health practices, adding safeguards specific to mental healthcare while addressing emerging malpractice insurance and regulatory concerns associated with clinical AI use.

The Orlando, Fla.-based company announced Nov. 4 that its AI Governance Shield evaluates how healthcare practices oversee AI tools, including ambient documentation systems, electronic health record algorithms, coding software, patient-facing chatbots, scheduling assistants and diagnostic aids.

The assessment examines documentation accuracy, physician oversight, patient disclosure, vendor contracts and the defensibility of AI-assisted medical coding.

According to Sentinel Risk Group, the expanded program responds partly to growing scrutiny from medical professional liability insurers over healthcare providers' use of AI.

The company cited the emergence of AI-related policy exclusions and guidance from Texas Medical Liability Trust, which recommends that practices using AI documentation tools contact their malpractice insurer, maintain appropriate business associate agreements, disclose AI use during patient consent, review AI-generated notes before signing and document staff training.

The assessment evaluates whether practices have implemented and documented these safeguards.

The expansion also introduces a behavioral health assessment covering psychiatry, psychology, counseling, clinical social work and substance use disorder treatment.

The behavioral health review addresses suicide-risk and crisis intervention safeguards, patient disclosure of AI use during therapy sessions, psychotherapy notes, consent requirements involving minors and federal confidentiality protections for substance use disorder treatment records under 42 CFR Part 2.

Sentinel Risk Group cited Illinois' Wellness and Oversight for Psychological Resources Act as an example of emerging state restrictions on AI use in mental healthcare. The law limits the use of AI to make independent therapeutic decisions or identify patients' emotions and mental states.

The company said its assessment also considers state AI laws applicable to telehealth services, including requirements in states where patients are located rather than where providers maintain their offices.

The AI Governance Shield review is conducted remotely through documentation rather than on-site inspections. It incorporates the National Institute of Standards and Technology's AI Risk Management Framework and guidance from the Coalition for Health AI, along with applicable state laws and insurance considerations.

Practices that satisfy the program's requirements receive certification, which can be verified through the company's website. Sentinel Risk Group also offers self-paced training covering healthcare AI regulations, HIPAA, recording consent and the False Claims Act.

Posted in MPL company news | Leave a comment
Specialty Program Group Expands Professional Liability Expertise with Dearing Appointment

November 4, 2026 by matray

Specialty Program Group LLC has appointed Victoria "Vicky" Dearing senior vice president of SPG ExecuPro, expanding its brokerage expertise in medical malpractice, allied health and other professional liability risks.

The Chicago-based specialty insurance distribution company announced the appointment Nov. 3, citing Dearing's more than 45 years of insurance industry experience, including more than three decades specializing in professional liability and complex risks.

Dearing previously served as senior vice president and managing broker at a national brokerage firm. Her background includes medical malpractice, allied health, cyber liability, management liability and other specialty insurance lines. She has led brokerage teams, developed specialty insurance programs and served as an adjunct professor at the University of Texas at Dallas.

"Her depth of technical expertise across professional liability, allied health, and cyber, combined with her reputation for tackling the most complex and unusual risks in the market makes her exactly the kind of talent that elevates our value to retail partners and clients alike," said Amanda Sedliak, president of SPG ExecuPro.

SPG ExecuPro operates within SPG Wholesale, providing retail insurance brokers with access to specialty insurance markets and coverage solutions for complex or difficult-to-place risks. Its principal areas of focus include professional liability, medical malpractice, management liability and cyber liability.

Dearing said she looks forward to reconnecting with longtime retail brokerage partners and developing coverage solutions for complex specialty risks.

Specialty Program Group operates a portfolio of insurance businesses encompassing underwriting management, wholesale and retail brokerage, digital insurance solutions and related services.

Posted in Appointments and promotions, MPL company news | Leave a comment