Koosh Insurance · Management Liability

    Medical Malpractice

    The patient who got worse instead of better. The chart note that didn't say what the family thought it said. The retrospective review that finds what a different physician might have done differently. Medical malpractice is the specialty line that defends healthcare professionals when patients claim their care fell below the standard. It's a high-stakes coverage with high premiums in the right specialties, and it's underwritten differently from every other line in commercial insurance.

    See what's covered

    Coverage

    What this coverage includes

    • Defense costs for malpractice claims — typically the largest cost driver and often paid outside policy limits
    • Settlements and judgments within policy limits
    • Coverage for medical incidents — alleged negligent acts, errors, or omissions in the rendering of professional services
    • Disciplinary defense for board investigations and licensing actions
    • HIPAA and regulatory defense in many forms
    • Tail coverage (extended reporting period) for claims made after the policy ends, especially critical at retirement or career changes
    • Cyber liability as an integrated or paired coverage in many modern medical malpractice programs

    Who Buys This

    Who typically buys this coverage

    • Physicians — primary care through high-risk surgical specialties
    • Dentists, orthodontists, and oral surgeons
    • Nurse practitioners, physician assistants, and CRNAs
    • Allied health professionals — physical therapists, chiropractors, mental health practitioners
    • Medical groups and physician practices carrying entity coverage alongside individual provider policies
    • Hospitals, surgery centers, and outpatient facilities
    • Telehealth providers — multi-state licensure creates multi-state exposure

    Why Koosh

    Why Koosh Insurance

    Medical malpractice is a specialty market with limited carriers, hard underwriting, and meaningful pricing variation between markets. It's also a market where the wrong agent can leave you with gaps — wrong retroactive date, no tail coverage, missing telehealth jurisdictions, inadequate cyber. The chart you wrote three years ago is the policy that has to defend it. Make sure the policy is still in force.

    Specialty market access — physician-owned mutuals, surplus lines markets, hospital-system programs, and specialty programs by specialty.

    Retroactive date and tail discipline — we protect prior-acts coverage on every renewal and structure tail coverage at policy termination.

    Specialty-specific underwriting — what works for primary care doesn't work for OB/GYN; what works for outpatient doesn't work for hospital-employed.

    Telehealth multi-state coordination — confirming policy covers every state of practice.

    Cyber and HIPAA integration — making sure these lines coordinate with malpractice, not duplicate or gap.

    FAQ

    Frequently asked questions

    Claims-made policies respond when the claim is reported during the policy term; occurrence policies respond to incidents that happen during the policy term, regardless of when the claim is reported. Most modern medical malpractice is written claims-made because of cost and availability — but claims-made requires careful management of the retroactive date and tail coverage. We protect both.

    Tail coverage (extended reporting endorsement) extends the period during which claims can be reported under a claims-made policy after the policy ends. You need it whenever you stop a claims-made policy without immediately replacing it with prior-acts coverage from a new carrier — including retirement, career change, or moving to an employer who provides occurrence coverage. Tail can be expensive but is essential in those situations to avoid leaving prior care unprotected.

    Maybe. Employer-provided coverage typically protects you while practicing for that employer. It usually doesn't cover moonlighting, volunteer work, board service, or anything you do outside the employment scope. Many physicians carry a personal policy alongside employer coverage for exactly these gaps.

    Yes. Practicing across state lines via telehealth requires licensure in every state where the patient is located, and your malpractice policy needs to cover all of those jurisdictions. We map this carefully for telehealth-active providers.

    Healthcare is one of the most-targeted industries for ransomware and data breach. Modern medical malpractice programs increasingly include cyber liability as an integrated coverage, but limits and breadth vary. We compare the cyber component as carefully as the malpractice component.

    Varies by state and specialty. Florida, for example, has specific financial responsibility requirements that can be met with malpractice insurance, escrow, or a combination. We confirm your placement meets state requirements.

    Related

    Related services

    Directors & Officers (D&O)

    Protection for executives and board members against management decisions.

    Employment Practices Liability (EPL)

    Wrongful termination, discrimination, harassment claims.

    Cyber Liability

    Cyber threats, data breaches, ransomware, and network security incidents.

    This page provides general information about Medical Malpractice insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Medical Malpractice

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314