Beazley vs HUB International: How Do They Compare for Medical Malpractice Insurance?

HUB International brokers malpractice for individual practitioners, with free tail coverage after two to five years with one carrier; Beazley's cover is a Virtual Care module for telehealth businesses, not a standalone policy.

Beazley suits telehealth businesses and life-sciences companies that want malpractice inside a broader package; HUB suits individual practitioners who want a broker to arrange occurrence, claims-made or convertible cover with a free tail after two to five years with one carrier. ^1,³

What Are the Key Differences Between Beazley and HUB International Medical Malpractice Insurance?

Organization Package Versus Practitioner Policy

Beazley doesn't sell malpractice on its own: Healthcare Professional Liability is one module in its Virtual Care policy for digital-health businesses, and one of four core coverages in its Life Sciences policy for pharmaceutical, device and biotech companies. HUB is a broker placing malpractice for individual clinicians, from physicians and CRNAs to physical therapists and personal trainers, with "A"-rated carriers it doesn't name. Choose Beazley if you run a telehealth platform or life-sciences company; choose HUB if you're a practitioner buying your own policy. ¹ ² ³

Policy Form and Tail Terms Up Front

HUB publishes the terms that decide what retiring or switching costs you: occurrence, claims-made and convertible claims-made forms, telemedicine cover for privacy breaches and technology errors, and a free tail on death, disability or retirement after two to five years with the same carrier. Beazley's pages show neither a form election nor any tail benefit, so you'll only learn them from a quote. ³ ¹

Applying and Reporting a Claim

Both routes run through a person. Beazley posts broker application brochures, including a Virtual Care Professional Liability form, and names a Healthcare Claims Team Leader. HUB asks you to talk to its brokers and describes claims defense with settlement-consent provisions. ¹ ² ³

What Should You Confirm in Beazley and HUB International Medical Malpractice Insurance Quotes?

Ask Beazley for the malpractice limit and retention inside the package, and whether the module is claims-made or occurrence. ¹
Ask HUB which carrier would issue your policy and which form it is quoting. ³
Ask HUB exactly how many continuous years trigger the free DDR tail for your carrier. ³
Get published limits from both; neither lists them. ² ³

Beazley vs HUB International Medical Malpractice Insurance Compared

Beazley vs HUB International: Medical Malpractice Insurance: documented features by provider

Criteria	Beazley Healthcare Professional Liability	HUB International Medical Malpractice Insurance Brokerage
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. ¹Company-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. ²Company-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. ³Company-reported. Medical malpractice product page practitioner list; not an underwriting appetite statement.
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. ^1,²Company-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. ³Company-reported. Medical malpractice product page broker-connection call to action.
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. ¹Company-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. ³Company-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. ³Company-reported. Medical malpractice product page DDR-benefit description; exact eligibility periods and terms are set by the issuing carrier's policy.
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. ¹Company-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. ²Company-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. ³Company-reported. Medical malpractice product page, read 2026-09-23; the page does not name an issuing insurer.