Medical Professional Liability Insurance

Comprehensive Insurance for You

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


Provides protection for covered medical professional liability claims which occur on or after a retroactive date and are reported during the policy period or an extended reporting period, if applicable.

Modified Claims-Made

Offers prepaid tail coverage on a claims-made basis. Protects against covered medical professional liability claims which occur on or after a retroactive date and are reported during the policy period or an extended reporting period, if applicable. Please note that an indefinite reporting period endorsement automatically applies at no additional premium.


Provides protection for covered medical professional liability claims that occur during the policy period.

Coverage Information

Primary Policy Limits – Available up to $2,000,000 per claim, depending on location.
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 – Where allowed, 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


Professional Conduct Review Coverage – Provides reimbursement up to $25,000 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.

Additional Features


Commercial General Liability Coverage Part – Protects against liability for bodily injury or property damage arising out of an insured’s premises and personal and advertising injury. Additionally, payment of related medical expenses is included regardless of fault as part of this coverage part. 

Employee Benefits Liability Coverage Part – Coverage for claims alleging improper advice and other errors or omissions in the administration of the named insured’s employee benefit plans.

Excess Medical Professional and Umbrella Liability Coverage Part – Additional limits added in excess of primary limits in the event the underlying coverage limit has been exhausted.

Optional Coverages

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.

Risk Mitigation Services

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
Read More

Get More Information

Coverage varies by state. Contact a Coverys agent or broker regarding specific coverages and pricing.

Find an Agent or Broker

Get updates on the latest

Subscribe to our newsletter to stay in the know!

Get the latest news, webinar information, Red Signal Reports, and more.