Beazley vs 
Mylo: How Do They Compare for Medical Malpractice Insurance?
Mylo is a broker comparing carriers for medical professionals, with claims-made, occurrence and tail options; Beazley bundles healthcare liability into a Virtual Care policy for telehealth firms, applied for through a broker.
Individual clinicians shopping a standalone malpractice policy fit Mylo, which compares quotes from several carriers; Beazley sells healthcare professional liability only as a module inside its Virtual Care and Life Sciences packages, sold through brokers. 1,2,3
What Are the Key Differences Between Beazley and Mylo Medical Malpractice Insurance?
Solo Clinicians vs Telehealth and Life-Sciences Companies
Beazley's Virtual Care cover targets telehealth providers such as doctors, psychiatrists, therapists and nurse practitioners delivering care remotely, and its Life Sciences policy targets middle-to-large pharmaceutical, device and biotech companies rather than individual providers. Mylo tailors the policy to your medical specialty and compares carriers for your practice. Choose Mylo if you are an in-person clinician buying malpractice on its own; choose Beazley if you run a telehealth or life-sciences business that also needs E&O, products or general liability in the same policy. 1 2 3
Claims-Made, Occurrence and Tail
Mylo lets you pick claims-made (the policy must be active when care was given and when you are sued) or occurrence (only active when care was given), with optional tail if a claims-made policy ends. Beazley's pages publish no trigger election or limits, so you learn those only from a quote. 3 1
Cyber and Application Route
Mylo says malpractice alone doesn't cover ransomware and offers cyber as an add-on. Beazley works through downloadable broker applications, including a Virtual Care Professional Liability form, so you need a broker to apply. 3 1 2
What Should You Confirm in Beazley and Mylo Medical Malpractice Insurance Quotes?
Beazley vs Mylo Medical Malpractice Insurance Compared
Beazley vs Mylo: Medical Malpractice Insurance: documented features by provider
| Criteria | Beazley Healthcare Professional Liability | Mylo Medical Malpractice Insurance |
|---|---|---|
| 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. | Mylo customizes the policy to the buyer's medical specialty and says coverage can be compared across a range of carriers for the buyer's practice. 3Company-reported. Medical malpractice product page. |
| 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. | Mylo says the policy helps defend against lawsuits over medical services, including incorrect diagnosis, failure to diagnose, prescribing the wrong drug or dosage, and treatment or surgical errors. 3Company-reported. Medical malpractice product page; the issued policy and its exclusions control. Mylo offers claims-made policies (covering a claim only if the policy was active for both the treatment and the lawsuit filing) and occurrence policies (covering a claim if the policy was active when the treatment occurred, even if lapsed by the time of the lawsuit), plus optional tail coverage to extend reporting after a claims-made policy ends. 3Company-reported. Medical malpractice product page coverage-types section. Mylo says medical malpractice insurance does not cover cyberattacks or ransomware on its own, and that it can add cyber liability coverage for network rebuilding, patient notification, credit monitoring, crisis management and regulatory fines. 3Company-reported. Medical malpractice product page "What about lawsuits from data breaches?" section; a distinct add-on coverage, not part of the base malpractice 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. | Mylo brokers medical malpractice insurance, describing it as professional liability insurance for medical professionals, by comparing quotes from multiple carriers rather than underwriting the policy itself. 3Company-reported. Medical malpractice product page. |
