Insurance Offerings
Medical Professional Liability Insurance
Comprehensive Insurance and Services for You
Founded by healthcare providers, Coverys delivers A-rated insurance protection and services that help you stay free to focus on medicine. You can count on a vigorous defense of malpractice claims as well as leading-edge data analytics and risk mitigation services to help 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 companies – affirming our financial strength and readiness to be there for our customers.
A Guide to Purchasing Medical Professional Liability Insurance
Learn how to protect your career and your reputation.
ReadSelection of Insurance Coverages 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.
A Broad Offering of Medical Liability Insurance
Today's healthcare requires a wide breadth of insurance protection options 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.
- Directors and officers (D&O).*
- Errors and omissions (E&O) liability.*
- Employment practices liability.*
*Only available in Washington, Oregon, and Idaho.
Two Types of Liability Offered
We offer direct liability coverage, which covers you for the services you personally provide. We also offer vicarious liability, which covers people for whom you may be legally liable if you are providing supervision and direction (e.g., employees, students, volunteers).
Additional Coverages Available
Depending on your particular exposure, you may need additional coverages, including but not limited to general liability for premises or damage to property of others, employer liability, or Cyber Liability and Protection Plus, which includes cyber/ regulatory liability coverage.
Read More: Cyber Liability and Protection Plus Coverage
Your Agent or Broker Can Help
Statutory requirements vary by state and exposure. Your agent or broker can assist you in navigating these requirements and can design a comprehensive coverage policy specific to your needs.
Key Insurance Information
You can count on Coverys for comprehensive coverage, so you are free to focus on patients.
We Support Healthcare Professionals with Insurance Protection and a Comprehensive Suite of Services
At Coverys, we strive to provide our tens of thousands of policyholders with the protection they need to stay free to focus on medicine. Count on Coverys for proven protection and innovative services.
Risk Management
Business Analytics
Education
Emotional Support
The REACT® Program
Services For Policyholders
Coverys offers risk mitigation services to help you improve outcomes.
“I recommend the professional liability services of Coverys without reservation and plan to continue this beneficial relationship.”
Explore Insurance 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
Risk protection solutions that help Medicare providers reduce their risk and succeed in value-based care programs.
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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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Get More Information
Coverage varies by state. Contact a Coverys agent or broker regarding specific coverages and pricing.
Find an Agent or Broker*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. Please contact your E&S broker for more information.
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