Healthcare and human services
Hedge Allied Health and Medical Professional Supplemental
A fillable Hedge supplemental for allied health and medical professional liability risks.
View form and fillable PDF →Class and coverage guide
Medical Malpractice for Allied health PT, OT, chiropractic.
Direct answer. Medical Professional Liability is included in Hedge's published target coverage for Allied health PT, OT, chiropractic under the line Medical Malpractice, with a published target of $1M / $3M. The current public class status is in current public appetite. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage context
What this coverage question means.
Medical professional liability commonly addresses claims alleging injury caused by professional healthcare services. Provider types, procedures, supervision, venues, patient population, retroactive exposure, claims, and regulatory history can materially change both eligibility and policy structure.
Class context. Physical therapy, occupational therapy, chiropractic. Solo to multi-provider.
Terms depend on the policy and account
This page does not interpret a policy or promise coverage. Actual coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Underwriting facts
What changes the answer.
- Discipline + state license
- Provider count
- Modalities used (manipulation, electrotherapy, etc.)
- 5-year claims history
Conditions that need closer review
- High-velocity / upper cervical chiropractic
- PT inside a hospital network
- Aquatic therapy
- Cervical-only practices with prior claims
- Unlicensed massage practices
Stronger starting profile
Controls and facts to surface.
- Outpatient PT/OT/chiro
- Provider-owned, < 10 providers
- Standard manual therapy
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Any risk
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
View form and fillable PDF →Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 196
Medical Professional Liability Insurance Application
A medical professional liability application identified in the ACORD index. Current markets may use newer carrier or program applications, so the intended market must confirm the acceptable form and edition.
Read form guide →State detail
Published class-specific state notes.
No class-specific state override is published for this class. State availability and account facts still require current review.
Next step
Build the account before choosing a route.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.