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Safeguard Your Practice and Secure Your Peace of Mind

Protect yourself today with a medical professional liability insurance policy from Leavitt Select Insurance Services.

Get a medical professional liability insurance quote

  • Quotes from multiple carriers
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  • No cost to you

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Your Trusted Partner Across the Nation

Leavitt Select Insurance Services is licensed in all 50 states. We’re equipped to serve you with top-notch coverage, from coast to coast.

CA License #369712

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What you need to know about medical professional liability insurance.

As a medical professional, you are legally responsible for correctly and accurately diagnosing, treating, and caring for your patients.

You are good at what you do, but it’s important to keep yourself safe in the event something goes wrong.

Protect yourself with a medical professional liability insurance policy from Leavitt Select Insurance Services.

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What is medical professional liability?

You may have heard other names for this type of insurance such as medical liability insurance, malpractice insurance, and medical malpractice insurance. Regardless of what term is used, medical malpractice insurance provides a second line of defense if you are faced with a malpractice lawsuit.

You can tailor a policy to fit your unique needs.

Some coverage options include the following:

  • Misdiagnosis
  • Surgical errors
  • Medication errors
  • Childbirth-related injuries
  • Anesthesia administration errors
  • Settlement costs
  • Punitive and compensatory damages
  • Attorney and court costs
  • Arbitration

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Who needs malpractice insurance?

Medical malpractice insurance is essential for anyone who provides healthcare services. However, there are a few nuances to keep in mind.

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Check Your Coverage Limits

You may be covered under your employer. However, this coverage will have limitations, so make sure to find out what these limitations are from your local Leavitt Select Insurance Services insurance agent. It may be a good idea for you to have a policy separate from your employer.

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Your Employer Matters

If you are a medical professional employed by the U.S. government, you do not need a malpractice policy. You are insured against liability claims by the federal government.

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A Must for Independent Contractors

If you are an independent contractor, you need medical liability insurance. It is unlikely you are covered by your employer, and you need coverage to keep yourself safe.

Additionally, it’s not just physicians and surgeons who need medical liability insurance. Other medical professionals can benefit from coverage, including:

  • Social workers
  • Therapists
  • Counselors
  • Physical therapists
  • Pharmacists
  • Nurses
  • Dentists
  • Radiologists
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Is medical malpractice insurance required near you?

There isn’t an easy answer to this question because medical professional liability insurance requirements vary from state to state.

Malpractice insurance is required in these states:

The following states have claim-assistance programs requiring you to have a minimum amount of malpractice insurance coverage to participate:

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Key considerations for practice owners

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Coverage for you and your employees

If you employ other medical professionals, you should consider maintaining a vicarious liability insurance policy. This coverage can protect your practice against any actions or omissions of your employees.

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Additional Options for HIPAA Violations

You are liable for any damages caused by violations of HIPAA laws. However, these damages are not covered by medical malpractice insurance. You can read more about protecting your practice from cybercrime, one of the top risks leading to HIPPA violations.

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