Insurance Offerings
Medical Malpractice Insurance
Medical Malpractice Liability Insurance and Services for You
Coverys delivers “A” rated insurance protection and services. We help a wide array of doctors and other healthcare professionals stay free to focus on medicine, knowing our experienced team will vigorously defend medical malpractice claims. Our leading-edge data analytics and risk mitigation services work proactively to improve patient safety and reduce liability risk. We are proud to have received top ratings from A.M. Best – the preeminent rating agency for insurance carriers – affirming our financial strength and readiness to protect our customers.
What is Medical Malpractice Insurance and What Does It Cover?
Medical malpractice insurance provides essential professional liability protection in the healthcare industry. Our coverage safeguards healthcare professionals financially when faced with malpractice claims. This full-spectrum medical insurance malpractice coverage extends to damages, legal costs, and other expenses associated with malpractice claims, ensuring you can practice with confidence.
Who Needs Medical Malpractice Insurance Coverage and Why?
Healthcare professionals at every level should have medical malpractice insurance. Physicians and surgeons rely on malpractice coverage to protect their practices, while specialists, such as dentists and podiatrists, carry malpractice insurance to safeguard their work. Medical support teams, including physician assistants, nurse practitioners, and certified nurse midwives, need this essential coverage to deliver care with peace of mind.
Through insurance companies, medical malpractice coverage protects organizations, their employees, and volunteers working in medical roles. Your facility, whether a hospital system, outpatient center, accountable care organization, or international operation, benefits from tailored protection that meets your specific requirements. When purchasing liability insurance with Coverys, you receive coverage designed for your unique needs, allowing you to maintain focus on exceptional patient care.
Helpful Information
A Guide to Purchasing Medical Professional Liability Insurance
Protect your career, your patients, and your practice by finding the medical malpractice insurance policy that is right for you, giving you the freedom to concentrate on what matters most: patient care.
Read Our GuideSelection of Insurance Coverages Available
Claims-Made
Claims-made coverage ensures policyholders are protected from the moment a policy begins. When medical professional liability claims arise, we stand ready to defend policyholder interests, protecting against covered incidents that occur on or after a retroactive date when reported during the active policy period.
Modified Claims-Made
Modified claims-made coverage provides prepaid tail coverage on a claims-made basis. This protects policyholders against covered medical professional liability claims that occur on or after a retroactive date and are reported during the policy period or an extended reporting period, if applicable. Policies include an indefinite reporting period endorsement at no additional premium.
Occurrence
Occurrence coverage provides protection for covered medical professional liability claims that occur during the policy period.
“I recommend the professional liability services of Coverys without reservation and plan to continue this beneficial relationship.”
A Broad Offering of Medical Liability Insurance
Today's healthcare requires extensive insurance solutions for physicians and surgeons, dentists, podiatrists, advanced practice providers, hospitals and systems, outpatient facilities, healthcare administrators, and more. At Coverys, we strive to provide you with the protection you need, so you are free to focus on medicine.
Wide Underwriting Capability
- Coverage selection.
- Deductibles.
- Excess and umbrella liability.
- Excess and umbrella liability over self-insured retentions.
- Excess and surplus lines.
- Fronting.
- Reinsurance.
- Captive.
- Loss portfolio transfers.
Customizable Insurance Offerings
- Entity medical professional.
- Physician professional.
- Dental professional.
- Allied healthcare and miscellaneous medical.
- Cyber liability and protection plus.
- General liability.
- Employee benefits liability.
Two Types of Liability Offered
We offer direct liability coverage, which covers you for the services you personally provide. Our vicarious liability coverage extends to those under your supervision and direction, including your employees, students, and volunteers.
Additional Coverage Options
Your practice may require supplemental coverage based on your specific needs. We provide general liability coverage for your premises and property, employer liability solutions, and Cyber Liability and Protection Plus coverage with integrated cyber and regulatory liability options.
Read More: Cyber Liability and Protection Plus Coverage
Help from Your Agent or Broker
Since statutory requirements differ by state and exposure type, your agent or broker will guide you through selecting the right medical malpractice insurance coverage for your practice. They work closely with you to create an insurance plan for your specific needs.
Key Insurance Information
You can trust Coverys to provide robust malpractice insurance coverage that allows you to stay dedicated to your patients.
We Support Healthcare Professionals with Insurance Protection and a Comprehensive Suite of Services
Coverys offers RiskRx® PRO—an exclusive integrated suite of services built for policyholders that integrates proactive risk mitigation with powerful claims resolution strategies. Learn more:RiskRx PRO
Risk Management
Business Analytics
Continuing Education
Emotional Support
The REACT® Program
Services For Policyholders
Explore Our Wide Range Of Insurances For Healthcare
Medical Professional Liability Insurance
Protection against malpractice claims, plus leading-edge analytics and risk mitigation services to help improve patient safety and reduce liability risk.
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Employer Stop Loss Solutions
Coverage for self-funded employer healthcare plans – aiding in cost management and customized to your plan's risk tolerance.
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Medicare Contractual Risk Protection
For hospitals working with Medicare, our risk protection shields you from unexpected contractual changes that could increase your financial burden.
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Provider Excess Loss Insurance
Insurance for healthcare providers that accept financial risk for patient healthcare outcomes, limiting exposure to high claims costs.
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Request a Quote
Complete our easy request form to receive information on pricing and specific coverage.
Start My Request NowInsurance products issued by Medical Professional Mutual Insurance Company (MA, NAIC 10206) and its subsidiaries Preferred Professional Insurance Company® (NE, NAIC 36234), and ProSelect® Insurance Company (NE, NAIC 10638). Insurance products issued in California by Preferred Professional Insurance Company and Coverys Insurance Company (CA Cert. 6122-6), 11605 Miracle Hills Drive, Suite 200, Omaha, NE 68154. Insurance products issued in New York by Coverys Risk Retention Group, Inc. (DC, NAIC 14160). Not all products available in all states; consult your insurance agent or underwriter. Any description set forth herein does not include all policy terms, conditions, and exclusions. Please refer to the actual policy for complete details of coverage and exclusions. Information on Coverys excess and surplus (E&S) lines products is for informational purposes only and is not an offer to sell any product or policy.
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