A patient alleges that treatment caused an injury or adverse outcome.
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Commercial Insurance Solution
Medical Professional Liability
Coverage for allegations of patient injury arising from professional healthcare services or treatment.
Request a ProposalWho it helps
Coverage aligned with the exposure
- Healthcare organizations and allied-health providers
- Clinics, home-health agencies and aesthetic practices
- Organizations employing or contracting clinical professionals
Claim scenarios
How a claim might arise
A delayed diagnosis or referral is alleged to have worsened a condition.
A supervision or documentation issue results in a professional-liability demand.
These examples are illustrative only. Whether a claim is covered depends on the actual facts and the policy’s terms, conditions, exclusions, limits and endorsements.
Review carefully
Exclusions and options to discuss
- Scope of covered services and provider types
- Consent-to-settle, defense and licensing-board coverage
- Claims-made reporting, tail coverage and retroactive dates
- Sexual misconduct, telehealth and independent-contractor wording
Prepare for a quote
Information your broker may need
- Services, procedures and provider credentials
- Annual patient encounters and locations
- Quality-assurance, consent and incident protocols
- Loss history and current retroactive dates
Frequently Asked Questions
Common questions
Is medical professional liability insurance required?
Requirements depend on your operations, contracts, state law and other circumstances. A Peloton broker can help identify contractual and practical requirements that apply to your organization.
How is pricing determined?
Insurers generally consider the organization’s size, operations, loss history, limits, deductibles, controls and other coverage-specific exposures.
Can this coverage be coordinated with our other policies?
Yes. Reviewing related policies together can help identify gaps, overlaps and inconsistent terms before a claim occurs.
Talk with Peloton
Build a proposal around your organization—not a generic checklist.
This page provides general information only and is not legal advice or a representation of coverage. Policy terms and availability vary by insurer and risk.