---
title: "Beazley vs HUB International: Medical Malpractice Insurance"
description: "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."
canonical: "https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-hub-international"
provider-a: "beazley"
provider-b: "hub-international"
coverage-line: "medical-malpractice"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice)

## Agent Guide

**What this page is:** Focused comparison of Beazley and HUB International 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 HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs HUB International for Medical Malpractice Insurance: how do they differ?
- Which is better for Medical Malpractice Insurance, Beazley or HUB International?
- What does Beazley or HUB International publish about Medical Malpractice Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Medical Malpractice Insurance. Providers: Beazley and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) — all coverage lines for this pair
- [Medical Malpractice Insurance guide](https://spot.insure/coverage/medical-malpractice) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 folds malpractice into Virtual Care and Life Sciences policies for healthcare organizations; HUB brokers individual practitioner malpractice with a choice of policy forms and a conditional free tail.

## Beazley vs HUB International Medical Malpractice Insurance Summary

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](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [3](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## 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](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [2](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [3](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

### 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](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [1](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

### 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](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [2](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [3](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## 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](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")
- Ask HUB which carrier would issue your policy and which form it is quoting. [3](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
- Ask HUB exactly how many continuous years trigger the free DDR tail for your carrier. [3](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
- Get published limits from both; neither lists them. [2](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [3](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## Beazley vs HUB International Medical Malpractice Insurance Compared

| 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. [1](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. [2](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. [3](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..) |
| 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](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [2](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. [3](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..) |
| 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. [1](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. [3](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. [3](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..) |
| 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. [1](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. [2](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. [3](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..) |

## About Beazley and HUB International and Medical Malpractice Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice)

## Related Pages for Beazley vs HUB International Medical Malpractice

- [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 pay defense costs and covered damages from claims about patient care; match the policy to clinicians, procedures and claims-made timing.
- [Beazley Medical Malpractice Insurance](https://spot.insure/insurance-providers/beazley/medical-malpractice)
- [HUB International Medical Malpractice Insurance](https://spot.insure/insurance-providers/hub-international/medical-malpractice)

## Sources for Beazley vs HUB International Medical Malpractice Insurance

### Sources About Beazley

1. [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.
2. [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 HUB International

3. [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.

Updated 2026-09-25. 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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