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What is Covered by Malpractice Insurance?

What Is Covered by Malpractice Insurance?

Professional liability insurance

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Medical liability insurance covers legal claims arising from allegations of medical negligence and/or malpractice.


The five most common types of malpractice cases are: 

  • Childbirth injuries
  • Misdiagnosis or delayed diagnosis
  • Failure to treat
  • Prescription drug errors
  • Surgical or procedural errors


Med mal insurance typically helps to cover defense costs, expert witness costs, legal fees and any settlement costs up to your policy limits.

What Is Not Covered by Medical Malpractice Insurance?

Medical liability insurance typically does not cover claims of illegal acts or sexual misconduct. Also, a policy may be voided entirely if a physician materially misrepresents factual information when applying for a policy.  Finally, medical malpractice insurance does not cover general liability claims (eg, slip and fall, theft of equipment, libel or slander, etc). 

Types of Medical Malpractice Insurance

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1. Occurrence policies. This type of policy will cover malpractice claims for events that occurred while the policy was in force.


2. Claims made policies. This policy will cover malpractice claims made while the policy is in force.  (It does not matter when the event occurred.)


3. Tail coverage.  A policy that should be purchased if coverage is canceled for a current claims-made policy, to avoid a gap in coverage. This is a policy that covers a provider if a claim is made for the work done under a prior insurance policy. If the client wishes to purchase a tail from another carrier, it is called a Stand Alone Tail. 


Contact us to learn what discounts you can get from Nexus Insurance Services. Ask for a free no-obligation quote.

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