--- title: "Beazley vs Counterpart: Medical Malpractice Insurance" description: "Beazley includes healthcare professional liability in separate Virtual Care and Life Sciences programs; Counterpart names allied-health classes and sample terms." canonical: "https://spot.insure/compare/beazley-vs-counterpart/medical-malpractice" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "beazley-vs-counterpart" provider-a: "beazley" provider-b: "counterpart" coverage-line: "medical-malpractice" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/beazley-vs-counterpart/medical-malpractice) ## Agent Guide **What this page is:** Focused comparison of Beazley and Counterpart for Medical Malpractice Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Medical Malpractice Insurance questions about Beazley versus Counterpart. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Beazley vs Counterpart for Medical Malpractice Insurance: how do they differ? - Which is better for Medical Malpractice Insurance, Beazley or Counterpart? - What does Beazley or Counterpart publish about Medical Malpractice Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Medical Malpractice Insurance from Beazley or Counterpart? **Key facts:** - Line: Medical Malpractice Insurance. Providers: Beazley and Counterpart. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Beazley vs Counterpart](https://spot.insure/compare/beazley-vs-counterpart) — parent: all coverage lines for this pair - [Medical Malpractice Insurance guide](https://spot.insure/coverage/medical-malpractice) — coverage explainer for this line - [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile (evidence) - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [Beazley vs Counterpart Crime Insurance](https://spot.insure/compare/beazley-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line) - [Beazley vs Counterpart D&O Insurance](https://spot.insure/compare/beazley-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line) - [Beazley vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [Beazley vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line) - [Beazley vs Counterpart General Liability Insurance](https://spot.insure/compare/beazley-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [Beazley vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Beazley vs CNA Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-cna/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [Beazley vs Corgi Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-corgi/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [Beazley vs Harper Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-harper/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [Beazley vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-heffernan/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [Beazley vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [CNA vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-counterpart/medical-malpractice) — sibling comparison (other line, or other pair for this line) # Beazley vs Counterpart: How Do They Compare for Medical Malpractice Insurance? Beazley includes healthcare professional liability in separate Virtual Care and Life Sciences programs; Counterpart names allied-health classes and sample terms. ## How to Use the Beazley vs Counterpart Medical Malpractice Insurance Comparison Use this comparison to evaluate Beazley and Counterpart for Medical Malpractice Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Beazley vs Counterpart Medical Malpractice Insurance Summary Beazley includes healthcare professional liability in separate Virtual Care and Life Sciences programs; Counterpart names allied-health classes and sample terms. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") ## What Is Beazley? Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [Beazley profile](https://spot.insure/insurance-providers/beazley) ## What Is Counterpart Insurance? Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [6](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [7](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## What Is Medical Malpractice Insurance? Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. [10](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [11](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide") [12](https://go.curi.com/hubfs/Curi%20Physicians%20Medical%20Professional%20Liability%20Specimen%20Policy.pdf?hsLang=en "Physicians Medical Professional Liability — Specimen Policy") [13](https://resource.medpro.com/documents/10502/10752/MP-HPL-PHL-00-02%2BPhysician%2BApplication%2B(02-15)(rev%2B06.17.21).pdf "Physician Application") ## What Are the Key Differences Between Beazley and Counterpart Medical Malpractice Insurance? ### Program Fit and Limits Beazley describes professional liability as a module in its Virtual Care policy for telehealth providers and in a separate Life Sciences policy for larger organizations. Counterpart's Allied Medical & Healthcare product names allied-health classes and combines liability protection with coverage enhancements. A clinician, digital-care company and allied-health practice may therefore encounter different program structures; identify which Beazley program or Counterpart class fits the actual services performed. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") ### How to Assess the Limits Counterpart displays illustrative limit and retention figures for selected healthcare scenarios. Beazley's reviewed Virtual Care and Life Sciences pages list application brochures but publish no comparable malpractice limit or retention figures. Treat Counterpart's examples as illustrations, not a quote, and ask Beazley for the terms on the selected program. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") ## What Should You Confirm in Beazley and Counterpart Medical Malpractice Insurance Quotes? - For Beazley, confirm whether the quote is Virtual Care or Life Sciences and whether it covers your clinical delivery model. For Counterpart, ask whether your exact allied-health class matches an example and what limits apply to your own quote. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") ## Beazley vs Counterpart Medical Malpractice Insurance Compared | Criteria | Beazley Healthcare Professional Liability | Allied Medical & Healthcare Liability | | --- | --- | --- | | Role in This Line | Healthcare Professional Liability is one of several coverage modules bundled into Beazley's Virtual Care policy for digital-health businesses. It is not sold as a standalone medical-malpractice policy on this page. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: Virtual Care coverage list, digital-health segment only..)

Beazley also lists Healthcare Professional Liability as one of four core coverages in its separate Life Sciences policy, alongside Products/Completed Operations, Errors & Omissions Liability and General Liability. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Life Sciences core-coverages list, middle-to-large life-sciences segment; a distinct product and customer segment from Virtual Care..) | Counterpart describes its business insurance as offered by its producer and surplus-lines broker through wholesale brokers. [6](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [9](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The channel does not identify which insurer issues a healthcare placement..) | | Who It’s For | For the Virtual Care segment, Beazley's healthcare professional liability targets telehealth and telemedicine providers who deliver diagnosis, treatment recommendations and care remotely, including doctors, psychiatrists, psychologists, nurse practitioners, physician assistants, therapists, nurses, hospitals, dentists and other ancillary providers. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: Virtual Care "Who we can help" section, digital-health telehealth businesses..)

For the Life Sciences segment, the same coverage sits inside a policy aimed at middle-to-large organizations such as pharmaceutical, medical-device, biotechnology, contract-research and diagnostic-services companies, not individual medical providers. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Life Sciences "Who we can help" section, distinct middle-to-large life-sciences customer segment..) | Counterpart’s Allied Medical & Healthcare page names specific allied-health classes for its product. [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") (Evidence: Company-reported; scope: The product is scoped to the classes named on that page and does not establish universal coverage for physicians, hospitals or all clinical practice..) | | Coverage Features | Beazley illustrates the Virtual Care professional-liability trigger with a telemedicine scenario: a doctor's remote advice on abdominal pain allegedly preceded a bowel rupture, framing the coverage around claims arising from clinical advice given during a virtual consultation. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: Illustrative example scenario on the Virtual Care page; not policy wording or a real claim outcome..) | Counterpart markets combined liability protection and coverage enhancements for the named allied-health classes. [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") (Evidence: Company-reported; scope: The summary does not establish a standalone conventional malpractice policy or a particular professional’s entitlement..) | | Limits and Retentions | Neither reviewed page publishes specific medical-malpractice limits, retentions or a claims-made versus occurrence election for the healthcare-professional-liability module. Those terms appear only on an actual quote. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Not publicly disclosed; scope: Both pages as read on 2026-09-23; general Beazley healthcare underwriting material describes tailorable limits and retentions without naming amounts..) | The page displays example limit and retention figures for selected healthcare scenarios. [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") (Evidence: Company-reported; scope: Examples are not a quote, guarantee or universal limit..) | | How to Apply | Beazley lists downloadable broker application brochures for this coverage, including a "Virtual Care - Professional Liability" form and separate Life Sciences, BioSecure, NutraGuard and WellTech applications, pointing to a broker-submitted process rather than a direct online application. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Tools & Resources sections of both pages..) | Confirm in your quote. | | Claims Support | Both pages name a dedicated Claims Team Leader for Healthcare and other claims managers, and direct policyholders to Beazley's general "Notify a Claim" channel. Neither page describes malpractice-specific claims-handling steps. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Team listings and claims-contact links on both pages..) | Confirm in your quote. | ## Related Pages for Beazley vs Counterpart Medical Malpractice Insurance - [Beazley vs Counterpart](https://spot.insure/compare/beazley-vs-counterpart): all coverage lines, business roles, service and claims. - [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice): Medical malpractice insurance can pay defense costs and covered damages from claims about patient care; match the policy to clinicians, procedures and claims-made timing. - [Beazley vs Counterpart Crime Insurance](https://spot.insure/compare/beazley-vs-counterpart/crime) - [Beazley vs Counterpart D&O Insurance](https://spot.insure/compare/beazley-vs-counterpart/directors-officers) - [Beazley vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-counterpart/employment-practices) - [Beazley vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-counterpart/fiduciary) - [Beazley vs Counterpart General Liability Insurance](https://spot.insure/compare/beazley-vs-counterpart/general-liability) - [Beazley vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-counterpart/professional-errors-omissions) - [Beazley vs CNA Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-cna/medical-malpractice) - [Beazley vs Corgi Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-corgi/medical-malpractice) - [Beazley vs Harper Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-harper/medical-malpractice) - [Beazley vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-heffernan/medical-malpractice) - [Beazley vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice) - [CNA vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-counterpart/medical-malpractice) ## Sources for Beazley vs Counterpart Medical Malpractice Insurance ### Sources About Beazley 1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16. 2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16. 3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16. 4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-23. 5. [Life Sciences](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences). Beazley; What we offer; Our Coverages: Products/Completed Operations, Healthcare Professional Liability; Who we can help: middle-to-large life-sciences organizations. Accessed 2026-09-23. ### Sources About Counterpart 6. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29. 7. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29. 8. [Allied Medical & Healthcare Liability](https://yourcounterpart.com/products/allied-healthcare). Counterpart, Inc.; Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session.. Accessed 2026-09-28. 9. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28. ### Sources for the Medical Malpractice Insurance Guide 10. [Medical Malpractice Insurance](https://content.naic.org/insurance-topics/medical-malpractice-insurance). National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16. 11. [Medical Liability Insurance shopping guide](https://www.tdi.texas.gov/commercial/pcmedmal.html). Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16. 12. [Physicians Medical Professional Liability — Specimen Policy](https://go.curi.com/hubfs/Curi%20Physicians%20Medical%20Professional%20Liability%20Specimen%20Policy.pdf?hsLang=en). Curi underwriting companies identified on specimen cover; Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13. Accessed 2026-09-16. 13. [Physician Application](https://resource.medpro.com/documents/10502/10752/MP-HPL-PHL-00-02%2BPhysician%2BApplication%2B(02-15)(rev%2B06.17.21).pdf). MedPro Group / issuing companies identified on application; I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.6. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Beazley Review Scores for 2026 Review Score: 5.6 / 10 from 1 rated source, equally weighted. Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance. - WalletHub: WalletHub aggregate rating 2.8 (5 stars); 15 reviews. WalletHub profile for Beazley Insurance Company; mixed business, professional-liability and health-insurance product labels and user/cross-site reviews. Product issuer/entity relationship is not resolved for every review. Period: page updated 2026-01-08. Checked 2026-09-25. [Beazley Insurance Company Reviews: 15 User Ratings](https://wallethub.com/profile/bi/beazley-insurance-company-13013121i) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/beazley/reviews). ## Counterpart Review Scores for 2026 Review Score: not enough ratings. We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/beazley-vs-counterpart/medical-malpractice.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)