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Medical Malpractice Insurance

Coverage sized to your practice's actual clinical exposure, not just general premises liability, responding to claims arising from the care and judgment your practice actually provides.

Get a quote for Medical Malpractice

What it covers

  • Legal defense costs for claims of clinical negligence or error
  • Settlements or judgments arising from a covered claim
  • Coverage for the practice entity and, depending on the policy, individual providers
  • Expert witness costs often incurred defending a claim
  • Claims arising from diagnosis, treatment, and standard-of-care disputes

What it doesn't cover

  • General premises liability, like a slip and fall in the waiting room (that's General Liability)
  • Employment-related claims from staff (that's Employment Practices Liability)
  • Intentional misconduct or criminal acts
  • Business property damage (that's Commercial Property)

Who needs this

Medical, dental, and other clinical practices where a diagnosis, treatment decision, or standard-of-care dispute could result in a claim, regardless of practice size.

From our horror stories

The Missed Diagnosis That Became a Claim

A patient's symptoms are misread during a routine visit, and the delayed diagnosis that follows becomes the basis for a malpractice claim against a small practice.

Read the full story →
Common questions

Medical Malpractice FAQ

Does my general liability policy cover this?

No. Standard general liability specifically excludes claims arising from clinical care and professional medical judgment, which is exactly what medical malpractice coverage is built for.

Do individual providers need their own policy, or does the practice's coverage apply?

Depends on the policy structure. We'll walk through whether the practice entity, individual providers, or both need to be named.

What affects the cost of this coverage?

Practice type, provider specialty, claims history, and patient volume all factor in. It's priced to your actual clinical risk, not a flat rate.

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