Hedge/Coverage guides/Medical Malpractice
Wholesale coverage guide

Medical Professional Liability.

Direct answer. 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.

AudienceLicensed retail insurance professionals
Guide typeProfessional and Executive
Reviewed2026-08-24
Wholesale fit

When specialty review may help.

  • Allied health, senior care, clinics, telehealth, or difficult procedures
  • Prior claims, disciplinary history, shared limits, or complex entity coverage
  • New ventures, staffing models, contractors, or multi-state services
  • Blended professional, general, cyber, abuse, or management-liability needs
Authority boundary

This guide is educational. It does not confirm current appetite, carrier access, a quote, policy terms, or bind authority. Account-specific eligibility requires Hedge review.

Submission quality

Prepare the decision facts.

Information to prepare

  • Provider roster, licenses, specialties, procedures, and supervision model
  • Patient counts, locations, services, revenues, and staffing arrangements
  • Currently valued claims, incidents, regulatory actions, and corrective measures
  • Prior acts, retroactive dates, requested limits, and entity structure

Questions that change the placement

  • Who provides which healthcare services under whose supervision?
  • Which procedures, patient groups, and locations create the principal exposure?
  • How are credentials, records, consent, and incidents managed?
  • What prior-acts and shared-limit structure is required?
Hedge resources

Forms and class guidance for this coverage.

Hedge-owned form

Hedge Allied Health and Medical Professional Supplemental

A fillable Hedge supplemental for allied health and medical professional liability risks.

Read and download
Hedge-owned form

Hedge Senior Care and Long Term Care Supplemental

A fillable Hedge supplemental for senior care and long-term care operations.

Read and download
Hedge-owned form

Hedge Loss and Claims Supplement

A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.

Read and download
Class appetite

Allied health. PT, OT, chiropractic

Read the public, directional class guidance and prepare for account-specific review.

Review class guidance
Class appetite

Small medical clinics

Read the public, directional class guidance and prepare for account-specific review.

Review class guidance
Related coverage

Build the whole program.

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Commercial General Liability

Commercial general liability commonly addresses third-party bodily injury, property damage, and personal and advertising injury, subject to the actual policy terms, exclusions, and endorseme...

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Cyber Liability and Technology E&O

Cyber liability commonly addresses specified first-party and third-party losses arising from privacy, security, network, and cyber events. Technology errors and omissions commonly addresses ...

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Management Liability

Management liability programs may combine directors and officers, employment practices, fiduciary, crime, and related coverages. Ownership, governance, financial condition, transactions, emp...

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Common questions

Use the guide safely.

Does this page confirm that Hedge can place this account?

No. It explains the coverage and the information that commonly changes a wholesale review. Use the appetite checker or submit the account facts for a current Hedge decision.

What should a retail agent send first?

Provider roster, licenses, specialties, procedures, and supervision model Patient counts, locations, services, revenues, and staffing arrangements Currently valued claims, incidents, regulatory actions, and corrective measures Prior acts, retroactive dates, requested limits, and entity structure

Can an AI agent use this page?

Yes for research, citations, and safe prefill. Customer data and submission actions belong in Hedge's authenticated OAuth and MCP workflow and require explicit user approval.

Next action

Bring Hedge the account facts.

Start with public appetite, use the relevant Hedge forms to organize the file, then send a reviewable submission through Hedge. A form start is not a market submission.