Beazley vs Harper Medical Malpractice Insurance

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. ⁴Company-reported. 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. ⁵Company-reported. Life Sciences core-coverages list, middle-to-large life-sciences segment; a distinct product and customer segment from Virtual Care.

Harper places medical malpractice coverage with carriers it describes as familiar with the clinician's or care business's specialty, rather than underwriting the policy itself. ⁸Company-reported. Product-page description of Harper's placement role for this line.

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. ⁴Company-reported. 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. ⁵Company-reported. Life Sciences "Who we can help" section, distinct middle-to-large life-sciences customer segment.

Harper markets this line to clinicians and care businesses that need malpractice coverage for licensure or facility privileges, and it names tail coverage as a particular concern when a clinician leaves a practice or switches carriers. ⁸Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant or specialty.

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. ⁴Company-reported. Illustrative example scenario on the Virtual Care page; not policy wording or a real claim outcome.

Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. ⁸Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms.

Harper says most of the medical malpractice policies it places are claims-made, which makes the retroactive date and tail (extended reporting) coverage important when a clinician changes jobs, retires or switches carriers, and it also places entity coverage for the practice or facility itself, not only individual clinicians. ⁸Company-reported. FAQ and coverage-features text on the product page; actual trigger and tail terms depend on the specific policy.

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. ^4,5Not publicly disclosed. Both pages as read on 2026-09-23; general Beazley healthcare underwriting material describes tailorable limits and retentions without naming amounts.

The reviewed medical malpractice page does not publish limit or retention amounts; it says cost and, implicitly, available terms depend on specialty, volume and claims history. ⁸Not publicly disclosed. Medical malpractice product page as read on 2026-09-23.

Not described in the reviewed sources.

Harper says it can issue certificates and quotes the same day for this line, and describes reaching both large carriers and specialty markets that write malpractice for a given specialty. ⁸Company-reported. Product-page service claims; not independently timed or confirmed for a particular request.

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. ^4,5Company-reported. Tools & Resources sections of both pages.

You apply for Harper medical malpractice coverage through an online quote form, and Harper says a specialist walks applicants through the occurrence-versus-claims-made and tail-coverage tradeoffs before they commit. ⁸Company-reported. Quote form and FAQ observed on the product page.

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. ^4,5Company-reported. Team listings and claims-contact links on both pages.

Not described in the reviewed sources.