---
title: "Beazley vs HUB International Medical Malpractice Insurance"
description: "Beazley embeds healthcare professional liability in Virtual Care and Life Sciences; HUB brokers occurrence, claims-made and convertible forms with a DDR tail benefit."
canonical: "https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs HUB International Medical Malpractice Insurance

Beazley embeds healthcare professional liability in Virtual Care and Life Sciences; HUB brokers occurrence, claims-made and convertible forms with a DDR tail benefit.

## Research Scope and Use

Use this comparison to evaluate Beazley and HUB International 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.

## Summary

Beazley includes Healthcare Professional Liability as modules in Virtual Care and Life Sciences policies. HUB brokers medical malpractice for named practitioner types, arranges occurrence, claims-made and convertible claims-made structures, and describes complimentary tail under a death, disability and retirement benefit after two to five years with the same carrier. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [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 HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [6](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Medical Malpractice Insurance?

Medical malpractice insurance is professional liability coverage for claims arising from a health care professional’s medical services. [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")

## Key Differences in Medical Malpractice Insurance

### Beazley Package Coverage Versus HUB Practitioner Brokerage

Beazley includes Healthcare Professional Liability in Virtual Care for digital-health businesses and in Life Sciences for middle-to-large life-sciences companies. HUB brokers medical malpractice as errors and omissions coverage for healthcare practitioners rather than underwriting it, and directs buyers to a broker rather than a self-service online 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") [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

### Form Types HUB Names

HUB says it arranges occurrence, claims-made and convertible claims-made medical malpractice structures, includes telemedicine liability addressing privacy breaches and technology errors, and describes complimentary tail coverage under a death, disability and retirement (DDR) benefit after two to five years of continuous coverage with the same carrier. Beazley’s reviewed Virtual Care and Life Sciences pages do not publish a claims-made versus occurrence election or a DDR tail benefit. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [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")

### Who Is Listed and How Claims Are Handled

HUB lists physicians, physician assistants, nurse practitioners, registered nurses, LPNs, CRNAs, physical therapists, personal trainers, optometrists and dentists. Beazley’s Virtual Care list includes doctors, psychiatrists, psychologists, NPs, PAs, therapists, nurses, hospitals, dentists and ancillary telehealth providers; Life Sciences is aimed at organizations, not individual clinicians. HUB describes claims defense with settlement-consent provisions. Beazley names a dedicated Healthcare Claims Team Leader and a general notify-a-claim channel. HUB says it uses financially stable “A”-rated carriers without naming the issuer; neither side publishes malpractice limits. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [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")

## What to Confirm in Medical Malpractice Insurance Quotes

- Ask HUB whether the quote is occurrence, claims-made or convertible, and whether the DDR tail benefit applies. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
- Ask Beazley whether you are on Virtual Care or Life Sciences and how telemedicine claims are treated. [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")
- Ask HUB about settlement-consent wording and telemedicine privacy and technology-error cover. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
- Get the issuing “A”-rated or other carrier, limits and retentions from both. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

## Offering Details

| Criteria | Beazley Healthcare Professional Liability | HUB International Medical Malpractice Insurance Brokerage |
| --- | --- | --- |
| 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..)<br><br>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..) | 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. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page, read 2026-09-23; the page does not name an issuing insurer..) |
| 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. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page carrier-access statement; the page describes market access, not a named carrier..) |
| 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..)<br><br>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..) | 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. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page practitioner list; not an underwriting appetite statement..) |
| 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..) | 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. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page policy-type and telemedicine sections; a specific client's policy form and trigger are set at binding..)<br><br>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. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page DDR-benefit description; exact eligibility periods and terms are set by the issuing carrier's policy..) |
| 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..) | Published medical malpractice policy limits, retentions or pricing were not found on the reviewed page. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the medical malpractice product page on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | 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. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page claims-defense description..) |
| 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..) | HUB directs practitioners to a broker to discuss medical malpractice coverage rather than a self-service online quote. [9](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page broker-connection call to action..) |
| 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..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice): Medical malpractice insurance can help pay defense costs and covered damages from claims about a health care professional's medical services.
- [Beazley vs HUB International Commercial Property Insurance](https://spot.insure/compare/beazley-vs-hub-international/commercial-property)
- [Beazley vs HUB International Crime Insurance](https://spot.insure/compare/beazley-vs-hub-international/crime)
- [Beazley vs HUB International Cyber Insurance](https://spot.insure/compare/beazley-vs-hub-international/cyber)
- [Beazley vs HUB International D&O Insurance](https://spot.insure/compare/beazley-vs-hub-international/directors-officers)
- [Beazley vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/employment-practices)
- [Beazley vs HUB International Fidelity Bonds](https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds)
- [Beazley vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/fiduciary)
- [Beazley vs HUB International General Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/general-liability)
- [Beazley vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto)
- [Beazley vs HUB International Management Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/management-liability)
- [Beazley vs HUB International Product Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/product-liability)
- [Beazley vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-hub-international/professional-errors-omissions)
- [Beazley vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-hub-international/representations-warranties)
- [Beazley vs HUB International Tech E&O Insurance](https://spot.insure/compare/beazley-vs-hub-international/technology-errors-omissions)
- [Beazley vs HUB International Telehealth Insurance](https://spot.insure/compare/beazley-vs-hub-international/virtual-care-telehealth)
- [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 Mylo Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-mylo/medical-malpractice)
- [Beazley vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-usi/medical-malpractice)
- [Corgi vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-hub-international/medical-malpractice)

## Sources

### 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.

### HUB International

6. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
7. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
8. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
9. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Definition as a form of errors and omissions coverage; who needs coverage list; carrier access and pricing; policy types (occurrence, claims-made, convertible claims-made); telemedicine liability; claims defense and settlement-consent provisions; death, disability and retirement tail-coverage benefit; broker-connection call to action. Accessed 2026-09-23.

### 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.

Updated 2026-09-23. 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.

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