Comprehensive Insurance and Services for You


Coverys provides healthcare 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.

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. Learn more about our risk management, business analytics, education, and claims services.

Coverage varies by state. Please consult your agent or broker regarding specific coverages. 
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Selection of MPL Coverage Forms Available:


Claims-Made – 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.
 
Occurrence – Provides protection for covered medical professional liability claims that occur during the policy period.
 

Primary Policy Limits:


Primary policy limits are available of up to $2,000,000 per claim.
 

Key Coverage Highlights:


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.

Medical Corporations – Coverage included for solely owned professional medical corporations.

Locum Tenens Coverage – Available for temporary absences from professional practice up to a maximum of 90 days during a policy period.

Worldwide Coverage – Coverage applies for suits brought within the United States, its territories and possessions, or Canada.

Vicarious Liability Coverage – Provided for claims arising out of professional acts or omissions by someone for whom the policyholder is legally responsible.

Cyber/Regulatory Liability Coverage – Coverage for cyber liability provided at no additional cost ($50,000 aggregate for Provider), including data security breaches and defense of regulatory or commercial payor audits is offered through Coverys Protection Plus. Included within this coverage is the cost for experienced attorneys and legal consultants who specialize in such cases, as well as comprehensive support to mitigate these risks, from beginning to end. Increased coverage limits may be available for additional premium. Find out more about Cyber/Regulatory Liability Coverage

Extended Reporting Period Coverage – Free endorsement for an extended reporting period (also known as “tail” coverage) is available in the event of death, disability, and retirement; for a retirement tail, certain eligibility requirements may apply.
 

Additional Features:


Professional Conduct Review Coverage – Provides reimbursement of up to $25,000 for legal defense costs for licensing board matters and associated investigation activities arising out of professional services rendered to a patient.

Sexual Misconduct Defense Coverage – Provides reimbursement of up to $100,000 for legal expenses required for defense of a suit or licensing board proceeding alleging actual or threatened sexual misconduct of a patient.

Allied Healthcare Providers – Nurse practitioners, physician assistants, and other medical employees can be added as insureds with separate limits of liability for additional premium.
 

Optional Coverages for Additional Premium:


Commercial General Liability Coverage Part – Protects insureds against liability for bodily injury or property damage arising out of an insured’s premises, operations, 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 – Additional limits added in excess of primary limits in the event the underlying coverage limit has been exhausted.

Medical Director Endorsement – Coverage extension for medical directorships for identified organizations.

Note: Directors & Officers (D&O) liability coverage and Employment Practices Liability (EPL) coverage available in some states.
 

Allied Healthcare Providers:


Nurse practitioners, physician assistants, certified nurse midwives, and other medical employees can be added as insureds with separate limits of liability for an additional premium.
 

Custom Solutions:


For large group practices, we also offer Coverys Custom Accounts, an underwriting division specializing in insurance and reinsurance solutions for practices with high deductibles, significant self-insured layers, or other more complex insurance structures.

Find a Coverys agent/broker

Insurance Products issued by Medical Professional Mutual Insurance Company (MA, NAIC 10206) and its subsidiaries Preferred Professional Insurance Company® (NE, NAIC 36234), ProSelect® Insurance Company (NE, NAIC 10638), and Healthcare Underwriters Group, Inc. (OH, NAIC 12233). Insurance Products issued in California by Preferred Professional Insurance Company and Coverys Insurance Company (CA Cert. 6122-6). Insurance Products issued in New York by Coverys RRG, Inc. (DC, NAIC 14160). Not all products available in all states, check with your agent or underwriter.

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