The diagnosis
A patient alleges a delayed diagnosis caused harm.
Malpractice coverage can pay for defense and covered damages.
Professional & Technology Liability
Healthcare & allied health liability, with the right tail.
Healthcare and allied health professional liability, including medical malpractice insurance, protects physicians, practices, clinics and allied providers against claims of negligent care or treatment.
What medical professional liability covers.
The policy form, tail provisions, consent to settle and shared versus separate limits decide how a policy performs when a claim hits. We help practices choose those terms deliberately, especially when providers join, leave or change carriers.
- Malpractice claimsDefense and damages for alleged negligent care, diagnosis or treatment.
- Individual and entity coverageProtection for providers and for the practice itself.
- Claims-made or occurrence formsDifferent triggers with different implications for tail coverage.
- Tail and prior actsOptions to keep past care covered when changing carriers or leaving a group.
- Licensing board defenseLegal costs for board complaints, often as a supplementary benefit.
What it typically doesn’t cover
- Patient data breachesCovered by cyber liability. Cyber Liability Insurance
- Employment claimsClaims from staff need employment practices liability. Employment Practices Liability Insurance (EPLI)
- Billing errors and regulatory finesMay be excluded or covered only under separate coverage.
- Departures without tailA provider who leaves a claims-made policy without tail can leave past care uncovered.
Coverage descriptions are general summaries. Actual coverage is governed by the terms, conditions and exclusions of the policy issued. Availability varies by state and carrier.
Real-world examples
What a claim can look like.
Claims rarely look dramatic at the start. They usually begin with an ordinary day, an email or a phone call.
The departing provider
A physician leaves the group, and a claim arrives a year later about care they provided.
Tail or entity coverage determines whether it's covered.
The board complaint
A patient files a complaint with the licensing board.
Licensing board defense coverage can pay for legal representation.
Examples are illustrative. Whether a claim is covered depends on the facts and the terms, conditions and exclusions of your policy.
Industry guide
Healthcare & Allied HealthMedical malpractice allegations and licensing board and billing investigations.Often paired with
Cyber Liability InsuranceFinancial protection against data breaches, ransomware, network security incidents and other cyber-related exposures.Employment Practices Liability Insurance (EPLI)Coverage for claims involving harassment, discrimination, wrongful termination and other employment-related practices.Workers' Compensation InsuranceMedical care and lost wages for employees injured on the job.Commercial Property InsuranceBuildings, equipment, inventory, business income and extra expenses following covered property losses.Questions
Common questions about medical professional liability, answered.
What's the difference between claims-made and occurrence malpractice coverage?
Occurrence coverage responds to incidents during the policy period, whenever the claim is filed. Claims-made coverage responds to claims made while the policy is active, so you need tail coverage when it ends.
What is tail coverage?
Tail coverage, or an extended reporting period, lets you report claims after a claims-made policy ends, for care provided while it was in force. It's critical when retiring, switching carriers or leaving a group.
Can you insure a whole group practice?
Yes. We can place coverage for the entity and its providers, and consolidate individual policies into a single group program when it makes sense.
How much does medical professional liability cost?
Medical malpractice pricing depends heavily on specialty and procedures performed, the state you practice in, the number of providers, claims history, and whether the policy is claims-made or occurrence. We compare options across our carrier relationships so you see real prices for your business, not an average.
Talk to an advisor
Let's get this fitted properly.
Tell us about your business. A principal will review your needs, shop the market and walk you through the options in plain English.