PHYSICIANS & SURGEONS
Professional Insurance for Doctors
Comprehensive Liability Insurance for Doctors
Coverys delivers specialized medical professional liability coverage that goes beyond basic protection. Our A-rated malpractice policies provide detailed safeguards for your specific practice needs. Working directly with your team, we analyze practice-specific risks and implement effective protocols that enhance quality care. By providing targeted solutions for clinical and operational challenges, we ensure comprehensive protection for your practice. With coverage designed for the nuances of your specialty, you stay free to focus on what matters most—delivering exceptional patient care.
Our Types of Professional Liability Insurance for Medical Doctors
Claims-Made
Our standard claims-made liability coverage protects you against medical professional liability claims. Coverage applies to claims that occur on or after your policy’s start date (retroactive date) and are reported while your policy is active or during an extended reporting period.
Modified Claims-Made
Our modified claims-made policies include built-in tail coverage at no extra cost. This comprehensive protection covers medical professional liability claims that occur on or after your policy’s start date and are reported during your policy period. You also receive an indefinite reporting period automatically—with no additional premium required.
Occurrence
Our occurrence coverage options defend you against medical professional liability claims that happen during your policy period, regardless of when they're reported.
Primary Policy Limits
Your medical practice receives coverage up to $2,000,000 per claim. We structure these limits to align with your specific practice needs and risk profile.
Broad Definition of Insured
Beyond individual protection, medical malpractice insurance extends to include your entire medical team. This encompasses shared coverage for non-physician staff, medical students, and practice volunteers operating within their defined duties. Need enhanced protection for specific roles? We offer customizable limits for an additional premium.
Medical Corporations
For solely owned professional medical corporations, we provide specialized coverage that adapts as your practice evolves, including protection for your business entity's unique liability exposures.
Locum Tenens Coverage
Our locum tenens coverage maintains continuous protection when you need time away. This specialized coverage extends to temporary healthcare professionals for up to 90 days per policy period, ensuring uninterrupted patient care and practice operations.
Worldwide Coverage
Your medical malpractice coverage extends across the United States, its territories and possessions, and Canada, supporting your practice's geographic reach.
Vicarious Liability Coverage
Our vicarious liability coverage addresses claims stemming from care delivered by those under your legal responsibility, protecting you as both a provider and supervisor.
Cyber Liability and Protection Plus Coverage
Modern medical practices face evolving digital challenges. Our cyber liability coverage addresses data security and privacy incidents, regulatory and commercial payor audits, and electronic crime incidents. You'll have access to specialized legal counsel and comprehensive digital risk management support throughout any claim. Starting with a $50,000 aggregate limit at no extra cost, we offer flexible options to increase coverage based on your needs.
Read More: Cyber Liability and Protection Plus Coverage
Extended Reporting Period Coverage
We provide free tail coverage through extended reporting period endorsements for qualifying events including death, disability, and retirement (subject to eligibility requirements).
Key Coverage Information for Our Doctors’ Professional Liability Insurance
Professional Conduct Review Coverage
Receive up to $25,000 for legal defense counsel costs when facing licensing board matters or investigations related to patient care services.
Sexual Misconduct Defense Coverage
Our policy includes up to $100,000 for legal expense reimbursement for defending against suits or licensing board proceedings involving alleged patient sexual misconduct.
Allied Healthcare Providers
Extend your policy to include nurse practitioners, physician assistants, and other medical staff members with customized liability limits for an additional premium.
Additional Features of Our Professional Insurance for Doctors
Optional Coverages for Additional Premium
Commercial General Liability Coverage Part
Secure your practice location with coverage against bodily injury and property damage claims, including personal and advertising injury incidents. Covers medical expenses for qualifying incidents regardless of fault.
Excess Medical Professional and Umbrella Liability Coverage Part
Add supplemental protection beyond your primary coverage limits with our excess medical professional and umbrella liability options.
Medical Director Endorsement
Extends protection for your medical directorship responsibilities at specified organizations.Directors & Officers (D&O) Liability Coverage
Available in select states, protecting leadership decisions and actions. Contact a Coverys agent or broker for more information.Employee Benefits Liability Coverage Part
Protects against claims involving employee benefit plan management and advice.
Employment Practices Liability (EPL) Coverage
Defends against employee claims and suits. Available in select states. Contact a Coverys agent or broker for more information.
A Guide to Purchasing Coverys Liability Insurance for Doctors
Get detailed insights into purchasing liability insurance and our coverage options at every career stage. Our comprehensive guide walks you through policy features, coverage limits, and essential considerations for your specialty—whether you're starting your first practice or expanding your current one.
Read
Protection for Advanced Practice Providers
Build a strong foundation of protection for your entire care team. We offer tailored liability coverage for advanced practice providers that aligns with their scope of practice and risk profile. From specialized risk assessment tools to customized coverage limits, we help protect nurse practitioners, physician assistants, certified nurse midwives, and other medical professionals on your team. Each provider can receive individual liability limits, ensuring appropriate protection levels for their specific roles and responsibilities.
Risk Mitigation Services
Beyond standard coverage, your professional liability policy includes access to our comprehensive suite of practice-specific risk management tools and solutions. We partner with your team to deliver:
- Risk Management: Structured assessments and actionable strategies for your specific practice
- Business Analytics: Practice-specific data analysis to guide improvements
- Education: Training resources aligned with your specialty requirements
- Emotional Support: Professional guidance through practice challenges
- The REACT® Program: Expert support and peer resources for unexpected events
Get More Information
Since coverage details and pricing vary by state, connect with a Coverys agent or broker to learn about specific options for your practice. Our representatives will help you understand the full scope of protection available in your area and create a solution that matches your precise needs.
Find an Agent or BrokerInsurance Products issued by Medical Professional Mutual Insurance Company (MA, NAIC 10206) and its subsidiaries Preferred Professional Insurance Company® (NE, NAIC 36234), ProSelect® Insurance Company (NE, NAIC 10638), and Healthcare Underwriters Group, Inc. (OH, NAIC 12233). Insurance Products issued in California by Preferred Professional Insurance Company and Coverys Insurance Company (CA Cert. 6122-6). Insurance Products issued in New York by Coverys Risk Retention Group, Inc. (DC, NAIC 14160). Not all products available in all states, check with your agent or underwriter. COPYRIGHTED.
Featured Resources
Note Transparency Requirements: Risk Management Considerations
Read Article
Autonomy & Clinical Decision-Making: Three Approaches to Complex Cases
Read Article
Best Practices for Patient Discharge to Avoid Escalation and Liability
Read ArticleGet updates on the latest
Subscribe to our newsletter to stay in the know!
Get the latest news, white papers, analytics reports, podcasts, and more.