HOSPITALS & SYSTEMS
Medical Professional Liability Insurance

Comprehensive Insurance for You
Coverys provides A-rated medical professional liability insurance plus innovative risk mitigation services to help you improve clinical, operational and financial outcomes. How? By addressing the specific risks associated with medical professional liability claims. We also identify ways you can succeed in the ever-changing healthcare delivery and reimbursement environment.
Insurance Policy Types

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.
Coverage Information
Primary Policy Limits – Available up to $2,000,000 per claim.Medical Directors, Peer Review, and Credentialing Activities – Coverage provided for medical directors acting within their scope of duty for the named insured as well as persons acting within their scope of duties on a formal accreditation, peer review, or credentialing committee or board of the named insured.
Broad Definition of Insured – Shared coverage provided for all non-physician employees, students, and volunteers while acting within their scope of duties; separate limits offered for an additional premium.
Consent to Settle – Coverys will not settle a claim or suit without the named insured’s written consent.
Worldwide Coverage – Coverage applies for suits brought within the United States, its territories and possessions, or Canada.
Healthcare Provider Coverage – Coverage is provided to “Scheduled Providers” identified in the schedule of insureds while working within their scope of duties. If desired, separate limits of liability may be purchased for healthcare providers.
Vicarious Liability Coverage – Provided for claims arising out of professional acts or omissions by someone for whom the policyholder is legally responsible.
Cyber Liability and Protection Plus Coverage – Coverage for data security and privacy incidents, regulatory or commercial payor audits, as well as electronic crime incidents. Coverage includes access to experienced attorneys and legal resources which specialize in handling such incidents throughout the claim lifecycle and also includes comprehensive risk management support. A $100,000 aggregate limit is provided at no extra cost with flexible, increased limit options available for an additional premium.
Read More: Cyber Liability and Protection Plus Coverage
Key Coverage Highlights
Information:
Professional Conduct Review Coverage – Provides reimbursement up to $250,000 for legal expenses required to defend a healthcare facility in a licensing board proceeding arising out of the performance of professional service rendered to a patient.Sexual Misconduct Legal Expense – Provides reimbursement up to $100,000 for legal expenses required for defense of a suit or licensing board proceeding alleging actual or threatened sexual abuse or sexual misconduct of a patient by anyone for whom the named insured is legally responsible. Please note that coverage is not applicable to home healthcare exposures, and an additional premium will apply to long-term care facilities.
Additional Features
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 Medical Professional Liability Insurance
Choosing the right insurer and coverage deserves careful consideration and a thorough understanding of your needs and options.
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Protection for Advanced Practice Providers
Coverys is here to assist advanced practice providers with medical professional liability insurance and proven proactive risk mitigation strategies. Nurse practitioners, physician assistants, certified nurse midwives, and other medical employees can be added as insureds with separate limits of liability for an additional premium.

Risk Mitigation Services
What sets Coverys apart from other carriers is the depth of our services. With your Coverys policy, you will receive a suite of comprehensive risk management and patient safety education services.
- Risk Management
- Business Analytics
- Education
- Emotional Support
- The REACT® Program
Get More Information
Coverage varies by state. Contact a Coverys agent or broker regarding specific coverages and pricing.
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.
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