Harper vs USI Insurance Services 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.

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. ⁷Company-reported. Healthcare practice page.

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. ⁷Not publicly disclosed. Page as read on 2026-09-23.

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.

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. ⁷Company-reported. Company description of client base, not a guaranteed underwriting appetite.

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.

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. ⁷Company-reported. Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued 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.

Not described in the reviewed sources.

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.

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. ⁷Company-reported. Single named case study; company-reported outcome, not independently verified, and not necessarily representative of every account.

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.

USI directs healthcare organizations to email pcinquiries@usi.com or contact a local USI office to engage its Healthcare practice. ⁷Company-reported. Contact instructions on the Healthcare practice page.