Beazley vs HUB International 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.

HUB brokers medical malpractice insurance, which it describes as a form of errors and omissions coverage for healthcare practitioners, rather than underwriting the policy itself. ⁹Company-reported. Medical malpractice product page, read 2026-09-23; the page does not name an issuing insurer.

Not described in the reviewed sources.

HUB says it provides access to financially stable, "A"-rated insurance carriers for medical malpractice coverage, but does not name the specific insurer that would issue a given client's policy. ⁹Company-reported. Medical malpractice product page carrier-access statement; the page describes market access, not a named carrier.

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.

HUB lists physicians, physician assistants, nurse practitioners, registered nurses, licensed practical nurses, nurse anesthetists (CRNAs), physical therapists, personal trainers, optometrists and dentists among the practitioners it says should consider medical malpractice coverage. ⁹Company-reported. Medical malpractice product page practitioner list; not an underwriting appetite statement.

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.

HUB says it arranges occurrence, claims-made and convertible claims-made medical malpractice policy structures, and includes telemedicine liability coverage addressing privacy breaches and technology errors. ⁹Company-reported. Medical malpractice product page policy-type and telemedicine sections; a specific client's policy form and trigger are set at binding.

HUB says its medical malpractice offering includes complimentary tail coverage under a death, disability and retirement (DDR) benefit after two to five years of continuous coverage with the same carrier. ⁹Company-reported. Medical malpractice product page DDR-benefit description; exact eligibility periods and terms are set by the issuing carrier's 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.

Published medical malpractice policy limits, retentions or pricing were not found on the reviewed page. ⁹Not publicly disclosed. Checked the medical malpractice product page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

HUB describes claims defense with settlement-consent provisions and says its team provides experienced claims management and communication for medical malpractice clients. ⁹Company-reported. Medical malpractice product page claims-defense description.

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.

HUB directs practitioners to a broker to discuss medical malpractice coverage rather than a self-service online quote. ⁹Company-reported. Medical malpractice product page broker-connection call to action.

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.