Property & Casualty Protection
Medical Professional Liability Insurance
Comprehensive coverage for healthcare delivery claims protecting your practice, your team, and your patients.
What Medical Professional Liability Covers
Medical Professional Liability insurance covers legal claims related to healthcare delivery—alleged errors in diagnosis, treatment, or clinical decision-making that result in patient injury or damages. For healthcare providers, this represents one of the most significant liability exposures.
Whether you're a solo practitioner or a multi-location network, professional liability coverage is the foundation of your risk management strategy and a requirement for credentialing, hospital privileges, and partner relationships.
Two Flexible Policy Structures
What It Protects: Coverage for claims reported during the active policy period, regardless of when the incident occurred (subject to retroactive date).
Advantages
- Cost efficient—lower initial premiums
- Retroactive protection available
- Flexible adjustment capability
Best For: Established providers in competitive markets with organized risk management practices.
Tail Coverage: When transitioning away from a claims-made policy, tail coverage (Extended Reporting Period) can be purchased to cover claims reported after the policy ends for incidents that occurred during the policy period.
What It Protects: Coverage for incidents occurring during the policy period, regardless of when the claim is filed—even years later.
Advantages
- Long-term security and peace of mind
- No tail coverage required
- Ideal for organizational changes
Best For: Organizations with significant assets, those planning ownership changes, and providers focused on long-term positioning.
Our Approach
We help you evaluate both structures against your specific growth trajectory, organizational stability, and risk appetite. The right choice depends on your expansion stage, planned changes, and long-term positioning. Our team analyzes your unique situation to recommend the optimal policy structure—or a combination that serves different aspects of your organization.
Coverage Comparison
| Feature | Claims-Made | Occurrence |
|---|---|---|
| Initial Premium Cost | Lower | Higher |
| Long-Term Cost | May increase over time | More predictable |
| Tail Coverage Required | Yes (if switching/retiring) | No |
| Claim Reporting Window | During policy period | Indefinite |
| Retroactive Coverage | Available (with retroactive date) | Built-in for policy period |
| Best for New Practices | ✓ | ✓ |
| Best for Established Orgs | ✓ | ✓ |
| Best for Ownership Changes | — | ✓ |
Protect Your Practice Today
Get a personalized quote for Medical Professional Liability coverage tailored to your organization's needs and growth stage.
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