Medical Malpractice Insurance
Professional liability for physicians, nurse practitioners, PAs, therapists, and allied health providers.
Who Needs It
- Physicians and surgeons
- Nurse practitioners and physician assistants
- Med spa providers and aestheticians
- Therapists and allied health
What It Covers
- Claims of injury from professional services
- Defense costs and licensing-board defense
- Occurrence or claims-made with tail options
- Locum tenens and moonlighting where endorsed
What It Does Not Cover
- Sexual misconduct where excluded
- Procedures outside training or scope
- Criminal acts
- Prior acts before the retroactive date
Texas Notes
Texas caps non-economic damages at $250K per defendant, which keeps the market stable; scope of procedures and provider count drive pricing.
Florida Notes
Florida physicians must meet financial-responsibility requirements under Fla. Stat. §458.320; many go bare, but hospitals and groups require coverage.
Medical Malpractice Insurance Questions We Hear Most
What is tail coverage?
An extended reporting endorsement that covers claims reported after a claims-made policy ends. Needed when you retire, move carriers, or leave a group.
Does a prior claim mean I can't get coverage?
Rarely. Carriers price and underwrite on frequency and severity over three to five years. One closed claim usually narrows the market slightly; a pattern narrows it a lot. Tell us everything up front; an undisclosed claim found at binding is worse than a disclosed one.
Related Coverage Guides
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Start My Quote All coverage guides →This guide is general education from a licensed independent agency, not legal advice or a promise of coverage. Every policy is governed by its own forms, endorsements, limits, and exclusions. Ask us to review the actual form before you rely on it.