Medical professional liability (MPL) insurance—also known as medical malpractice insurance—provides essential coverage for health care professionals over lawsuits and claims related to their medical services. It can offer peace of mind to both practitioners and patients, and it is required by law in many states.

Key Benefits of MPL Insurance

Licensed health care professionals, including physicians, nurses and physician assistants, face potential professional liability claims regardless of their skill, experience or due diligence. In fact, the Insurance Information Institute has stated a majority of American doctors face at least one medical malpractice lawsuit during their careers. These claims can allege medical negligence, mistakes or oversights.

MPL insurance offers financial assistance in these situations. Policies generally cover third-party bodily injury, personal injury and property damage arising from the practice of medicine. MPL insurance also typically covers claim-related:

  • Medical expenses
  • Settlements
  • Judgments
  • Arbitration costs
  • Defense and cost containment expenses

MPL insurance is often required by law. Additionally, having a policy in place can help protect a health care provider’s reputation. It can provide peace of mind to such professionals, who know their businesses and personal assets are protected, and to patients, who know their interests are also covered.

MPL Insurance Exclusions and Limitations 

Although MPL insurance may provide coverage for several incidents, it is important to note that not all claims are covered. Common exclusions include:

  • Reckless, intentional, wrongful, discriminatory, abusive, criminal, illegal or fraudulent acts
  • Sexual misconduct
  • Damage to business property
  • Employee injuries
  • Patient injuries unrelated to medical care (e.g., slip and fall accidents at the insured’s clinic)

Choosing the Right Policy

When selecting an MPL insurance policy, it is crucial to review its coverages and deductibles as well as its limits and exclusions. Further, MPL insurance is typically available as an occurrence policy or a claims-made policy:

  • Occurrence policy—This offers coverage if the event that gave rise to the claim occurs during the policy’s active period, regardless of when the claim is filed, even if the policy has lapsed or been canceled.
  • Claims-made policy—This offers coverage if a claim is filed during the policy’s active period and the event that gave rise to the claim happened after the policy’s specified retroactive date.

Read: Claims Made vs. Occurrence

Health care professionals should consider additional factors when choosing a policy, including the financial strength and reputation of the insurance provider and how they handle claims. The experience of the agent is also an important variable to weigh.

Medical professional liability insurance policies can often be tailored to meet the specific needs of a medical specialty. Contact us today for more information on MPL insurance and other insurance solutions.

This is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. © 2023 Zywave, Inc. All rights reserved.

Stay Updated

Subscribe to the INSURICA blog and receive the latest news direct to your inbox.

Related Blogs

5 Common Cybersecurity Mistakes and How to Avoid Them

June 16th, 2025|Blog, Risk Management, Trending|

All organizations, regardless of their size or industry, are at risk of being targeted by cybercriminals. These malicious actors can conduct cyberattacks, leading to significant financial, operational and reputational damage that can be difficult or impossible to recover from. Fortunately, solid cyber hygiene practices can reduce the likelihood of data breaches and other cyber incidents from occurring, and many of these practices are relatively low-cost and easy to implement.

Insurance Coverage Basics For Boatowners

June 15th, 2025|Blog, Personal Insurance|

A small boat, such as a canoe or other un-motorized boat, is typically covered under the personal property portion of your homeowners insurance policy. If you own a larger, faster boat, you'll need a separate boatowners insurance policy. A typical boatowners insurance policy is designed to protect your boat, motor, equipment, and passengers. It affords similar coverages to those you typically have for your car including:

Summer Swimming Pool Safety

June 14th, 2025|Blog, Personal Insurance|

Though owning a pool can allow you, your family and your friends to cool off in the summer heat, it also comes with serious responsibilities. After all, swimming pools can present significant safety hazards and potential liability risks. As such, consider these precautions to make sure your friends and family can enjoy your pool safely.

Go to Top