---
title: "Beazley vs USI Insurance Services Medical Malpractice Insurance"
description: "Beazley embeds healthcare professional liability in Virtual Care and Life Sciences; USI’s Healthcare practice places malpractice for hospitals through locums and cites a large-group case study."
canonical: "https://spot.insure/compare/beazley-vs-usi/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs USI Insurance Services Medical Malpractice Insurance

Beazley embeds healthcare professional liability in Virtual Care and Life Sciences; USI’s Healthcare practice places malpractice for hospitals through locums and cites a large-group case study.

## Research Scope and Use

Use this comparison to evaluate Beazley and USI Insurance Services 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. USI’s Healthcare practice places medical professional liability for hospitals, physicians, staffing companies and other facilities, with access to captives and risk retention groups, and cites a 220-physician group case study. [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.usi.com/property-casualty/healthcare/ "Healthcare")

## 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 USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [6](https://www.usi.com/about-usi "The Power of ONE") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [8](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## 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 Policy Modules Versus USI’s Healthcare Practice

Beazley includes Healthcare Professional Liability in Virtual Care for digital-health businesses and in Life Sciences for middle-to-large pharmaceutical, medical-device, biotechnology, contract-research and diagnostic-services companies. USI is a broker whose Healthcare practice advises on risk and places medical professional liability rather than underwriting it. [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.usi.com/property-casualty/healthcare/ "Healthcare")

### Facility and Staffing Roster

USI says it serves hospitals, physicians, surgery centers, dialysis clinics, senior care and assisted-living facilities, residential treatment, permanent and locum tenens staffing companies, urgent care and managed care organizations, from regional health systems to individual doctor groups. Beazley’s Virtual Care list is telehealth clinicians and facilities; Life Sciences is manufacturer and research organizations rather than that hospital-and-locums roster. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [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")

### Risk-Transfer Options and How You Engage

USI’s Healthcare page does not name a specific malpractice insurer; it says USI has access to traditional and nontraditional structures, including captives, risk retention groups and risk purchasing groups. It cites a case study in which its team reviewed 26 years of a 220-physician group’s malpractice loss history and says the analysis produced about $350,000 in negotiated savings plus a retention-funding change projected to cut premium by close to $1,000,000 in a year. Beazley’s reviewed pages do not describe captive or RRG malpractice placements. You engage USI by contacting its Healthcare practice or a local office; Beazley uses broker application brochures. Neither publishes specific malpractice limits on the reviewed pages. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [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 Beazley whether the quote is Virtual Care or Life Sciences. [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 USI whether the placement would be traditional paper, a captive, an RRG or an RPG. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare")
- Get issuing insurers, limits, retentions and claims-made versus occurrence from both. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")
- Confirm USI’s engagement path (Healthcare practice contact or a local office) for your organization type. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

## Offering Details

| Criteria | Beazley Healthcare Professional Liability | USI Healthcare Practice — Medical Professional (Malpractice) Liability |
| --- | --- | --- |
| 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..) | USI is a broker for medical malpractice coverage. Its Healthcare practice advises clients on risk and places medical professional liability coverage rather than underwriting it. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Healthcare practice page..) |
| Issuing Insurer | Not described in the reviewed sources. | The Healthcare practice page does not name a specific medical malpractice insurer; it says USI has access to both traditional and nontraditional risk-transfer structures, including captives, risk retention groups and risk purchasing groups, without naming a carrier for any of them. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| 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..) | USI's Healthcare practice says it serves hospitals, physicians, surgery centers, dialysis clinics, senior care and assisted-living facilities, residential treatment facilities, permanent and locum tenens staffing companies, urgent care centers and managed care organizations, ranging from regional health systems to individual doctor groups and clinics. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Company description of client base, not a guaranteed underwriting appetite..) |
| 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..) | USI lists Medical Professional (Malpractice) Liability alongside related healthcare specialty coverages it places, including healthcare general liability, D&O, healthcare facility property, workers' compensation, employment practices liability, cyber liability and HIPAA privacy, medical billing and governmental regulatory claims coverage, and required bonding. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued 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..) | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | USI cites a case study where its Healthcare team reviewed 26 years of a 220-physician group's malpractice loss history, found the client was overpriced with an outdated limit structure, and says the analysis produced about $350,000 in negotiated savings plus a retention-funding change projected to cut premium by close to $1,000,000 in a year. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Single named case study; company-reported outcome, not independently verified, and not necessarily representative of every account..) |
| 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..) | USI directs healthcare organizations to email pcinquiries@usi.com or contact a local USI office to engage its Healthcare practice. [9](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Contact instructions on the Healthcare practice page..) |
| 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 USI Insurance Services](https://spot.insure/compare/beazley-vs-usi): 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 USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/beazley-vs-usi/commercial-property)
- [Beazley vs USI Insurance Services Crime Insurance](https://spot.insure/compare/beazley-vs-usi/crime)
- [Beazley vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/beazley-vs-usi/cyber)
- [Beazley vs USI Insurance Services D&O Insurance](https://spot.insure/compare/beazley-vs-usi/directors-officers)
- [Beazley vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-usi/employment-practices)
- [Beazley vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-usi/fiduciary)
- [Beazley vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/beazley-vs-usi/management-liability)
- [Beazley vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-usi/professional-errors-omissions)
- [Beazley vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-usi/representations-warranties)
- [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 HUB International Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice)
- [Beazley vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-mylo/medical-malpractice)
- [Corgi vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-usi/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.

### USI Insurance Services

6. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
7. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
8. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
9. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; USI's Healthcare Practice addresses risk exposures...for organizations associated with the healthcare industry...; serves hospitals, physicians, surgery centers, dialysis clinics, senior care/assisted living facilities...; offers specialty coverages...including: Medical Professional (Malpractice) Liability...; captives, risk retention groups and risk purchasing groups; ACO Shield...CHC Shield...; CASE STUDY: USI's Healthcare Review of Loss History Records. 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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