Support the judgment behind every patient interaction.
Clinical professionals make decisions in settings where records, procedures, specialties, and continuity of care matter. Medical Malpractice insurance is a focused part of a healthcare practice's professional risk review.
Medical Malpractice coverage may address certain claims alleging injury related to professional healthcare services, subject to the policy's definitions, limits, conditions, and exclusions. The scope of practice, specialty, procedures, locations, credentials, and people insured should be described accurately.
Claims-made and occurrence forms use different coverage triggers. A claims-made policy may depend on a retroactive date and continuous coverage, while an extended reporting option may be relevant when coverage ends. Compare prior acts, defense provisions, consent terms, and reporting obligations carefully; a change in policy can affect continuity.
Bring clinical scope and continuity into focus
A clear description of your operation makes it easier to discuss relevant options and requirements.
Questions worth asking
A few useful points to bring into a conversation with a professional.
Is Medical Malpractice the same as General Liability?
No. Medical Malpractice addresses certain professional healthcare allegations. General Liability usually addresses other exposures, such as some premises claims.
What is the difference between claims-made and occurrence?
They use different triggers for a potentially covered claim. Review retroactive dates, continuity, and reporting options with a professional before switching forms.
Does this coverage guarantee a claim will be paid?
No policy can guarantee payment of every claim. The alleged service, insured parties, timing, policy terms, exclusions, and facts determine whether coverage may apply.