Harper vs HUB International Medical Malpractice Insurance

Harper places medical malpractice coverage with carriers it describes as familiar with the clinician's or care business's specialty, rather than underwriting the policy itself. ³Company-reported. Product-page description of Harper's placement role for this line.

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. ⁷Company-reported. Medical malpractice product page, read 2026-09-23; the page does not name an 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. ⁷Company-reported. Medical malpractice product page carrier-access statement; the page describes market access, not a named carrier.

Harper markets this line to clinicians and care businesses that need malpractice coverage for licensure or facility privileges, and it names tail coverage as a particular concern when a clinician leaves a practice or switches carriers. ³Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant or specialty.

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. ⁷Company-reported. Medical malpractice product page practitioner list; not an underwriting appetite statement.

Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. ³Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms.

Harper says most of the medical malpractice policies it places are claims-made, which makes the retroactive date and tail (extended reporting) coverage important when a clinician changes jobs, retires or switches carriers, and it also places entity coverage for the practice or facility itself, not only individual clinicians. ³Company-reported. FAQ and coverage-features text on the product page; actual trigger and tail terms depend on the specific policy.

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. ⁷Company-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. ⁷Company-reported. Medical malpractice product page DDR-benefit description; exact eligibility periods and terms are set by the issuing carrier's policy.

The reviewed medical malpractice page does not publish limit or retention amounts; it says cost and, implicitly, available terms depend on specialty, volume and claims history. ³Not publicly disclosed. Medical malpractice product page as read on 2026-09-23.

Published medical malpractice policy limits, retentions or pricing were not found on the reviewed page. ⁷Not publicly disclosed. Checked the medical malpractice product page on 2026-09-23; limits are set on the quote and declarations.

Harper says it can issue certificates and quotes the same day for this line, and describes reaching both large carriers and specialty markets that write malpractice for a given specialty. ³Company-reported. Product-page service claims; not independently timed or confirmed for a particular request.

HUB describes claims defense with settlement-consent provisions and says its team provides experienced claims management and communication for medical malpractice clients. ⁷Company-reported. Medical malpractice product page claims-defense description.

You apply for Harper medical malpractice coverage through an online quote form, and Harper says a specialist walks applicants through the occurrence-versus-claims-made and tail-coverage tradeoffs before they commit. ³Company-reported. Quote form and FAQ observed on the product page.

HUB directs practitioners to a broker to discuss medical malpractice coverage rather than a self-service online quote. ⁷Company-reported. Medical malpractice product page broker-connection call to action.