---
title: "Heffernan Insurance Brokers vs Mylo Medical Malpractice Insurance"
description: "Heffernan packages Med Mal for hospitals, clinics and senior living, including captives; Mylo compares claims-made and occurrence quotes and can add cyber separately."
canonical: "https://spot.insure/compare/heffernan-vs-mylo/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Heffernan Insurance Brokers vs Mylo Medical Malpractice Insurance

Heffernan packages Med Mal for hospitals, clinics and senior living, including captives; Mylo compares claims-made and occurrence quotes and can add cyber separately.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and Mylo 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

Heffernan brokers Medical Malpractice as a healthcare specialty and can package it with other lines or use captive and self-insured plans. Mylo compares multiple carriers, explains claims-made versus occurrence and optional tail, and treats cyber as a separate add-on because malpractice does not cover ransomware on its own. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance")

## What Is Heffernan Insurance Brokers?

Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. [1](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [5](https://choosemylo.com/business/business-insurance "Small Business Insurance") [6](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## What Is Medical Malpractice Insurance?

Medical malpractice insurance is professional liability coverage for claims arising from a health care professional’s medical services. [8](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [9](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide")

## Key Differences in Medical Malpractice Insurance

### Who Each Broker Names as the Buyer

Heffernan lists Med Mal among healthcare specialties for physician groups, clinics, hospitals, transport companies, laboratories, home care and senior living. Mylo brokers professional liability for medical professionals by comparing quotes from multiple carriers and customizing to the buyer’s specialty. Neither reviewed page names the issuing insurer. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance")

### Claims-Made Versus Occurrence Language

Mylo explains claims-made (policy active at treatment and at lawsuit filing) versus occurrence (policy active at treatment even if later lapsed), plus optional tail to extend reporting after a claims-made policy ends. Heffernan’s page does not separate claims-made versus occurrence, tail or limits from the bundled healthcare list. [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services")

### How Cyber Sits Next to Malpractice

Heffernan says it packages medical malpractice with other healthcare coverages such as workers’ compensation, professional liability and cyber liability for a single client program. Mylo says medical malpractice does not cover cyberattacks or ransomware on its own and that it can add cyber liability for network rebuilding, patient notification, credit monitoring, crisis management and regulatory fines. One description is a bundled program; the other is a base malpractice form plus a named add-on. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance")

## What to Confirm in Medical Malpractice Insurance Quotes

- Ask Mylo whether the quote is claims-made or occurrence and whether tail and cyber are priced. [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance")
- Ask Heffernan if the program is fully insured or a captive or self-insured plan and which other healthcare lines are packaged. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services")
- Confirm the named carrier on both. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance")
- Check whether Mylo’s lawsuit examples (wrong diagnosis, wrong dose, surgical error) match the allegations you need covered, and whether Heffernan’s bundled program includes professional liability besides Med Mal. [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services")

## Offering Details

| Criteria | Heffernan Healthcare Insurance — Medical Malpractice | Mylo Medical Malpractice Insurance |
| --- | --- | --- |
| Role in This Line | Heffernan lists Medical Malpractice (Med Mal) as one of its named healthcare service specialties, placing coverage with carriers for health care clients rather than underwriting it. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Healthcare Insurance page as read on 2026-09-23; no dedicated medical-malpractice sub-page was found beyond this healthcare practice page..) | 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. [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Medical malpractice product page..) |
| Issuing Insurer | Heffernan says it has relationships with 'the nation's top insurance carriers' for a fully insured healthcare plan, but the reviewed page does not name a specific medical-malpractice insurer. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Not publicly disclosed; scope: Healthcare Insurance page as read on 2026-09-23..) | The medical malpractice product page does not name the insurer that would issue a given practice's policy. [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Not publicly disclosed; scope: Checked the medical malpractice product page on 2026-09-23..) |
| Who It’s For | Heffernan says its health care risk-management team serves physician groups, clinics, hospitals, patient transport companies, and laboratories, plus specialty practices in allied health, home care, and senior living. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Healthcare Insurance page as read on 2026-09-23; not exclusively medical-malpractice-specific, but names the buyer types the practice serves..) | 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. [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Medical malpractice product page..) |
| Coverage Features | Heffernan says it packages medical malpractice with other healthcare coverages such as workers' compensation, professional liability, and cyber liability for a single client program. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Healthcare Insurance page as read on 2026-09-23; the page does not describe medical-malpractice insuring agreements, claims-made versus occurrence form, or limits separately from the bundled list..) | 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. [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Medical malpractice product page; the issued policy and its exclusions control..)<br><br>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. [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Medical malpractice product page coverage-types section..)<br><br>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. [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Medical malpractice product page "What about lawsuits from data breaches?" section; a distinct add-on coverage, not part of the base malpractice policy..) |
| Limits and Retentions | Not described in the reviewed sources. | The medical malpractice product page does not publish specific coverage limits or premium ranges. [7](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Not publicly disclosed; scope: Checked the medical malpractice product page on 2026-09-23..) |
| Risk Services | Beyond fully insured placements, Heffernan offers healthcare clients captive, partially self-insured, or fully self-insured plan structures, and says it has experience serving nonprofit health care organizations. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Healthcare Insurance page as read on 2026-09-23; described for the healthcare practice generally, not exclusively for medical malpractice..) | Not described in the reviewed sources. |

## Full Comparison

- [Heffernan Insurance Brokers vs Mylo](https://spot.insure/compare/heffernan-vs-mylo): 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.
- [Heffernan Insurance Brokers vs Mylo Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-mylo/business-owners-policy)
- [Heffernan Insurance Brokers vs Mylo Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-mylo/commercial-auto)
- [Heffernan Insurance Brokers vs Mylo Cyber Insurance](https://spot.insure/compare/heffernan-vs-mylo/cyber)
- [Heffernan Insurance Brokers vs Mylo Employee Health Benefits](https://spot.insure/compare/heffernan-vs-mylo/employee-health-benefits)
- [Heffernan Insurance Brokers vs Mylo General Liability Insurance](https://spot.insure/compare/heffernan-vs-mylo/general-liability)
- [Heffernan Insurance Brokers vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-mylo/professional-errors-omissions)
- [Heffernan Insurance Brokers vs Mylo Surety Bonds](https://spot.insure/compare/heffernan-vs-mylo/surety-bonds)
- [Heffernan Insurance Brokers vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-mylo/workers-compensation)
- [Beazley vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-heffernan/medical-malpractice)
- [Beazley vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-mylo/medical-malpractice)
- [Corgi vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-heffernan/medical-malpractice)
- [Corgi vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-mylo/medical-malpractice)
- [Harper vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-heffernan/medical-malpractice)
- [Harper vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-mylo/medical-malpractice)

## Sources

### Heffernan Insurance Brokers

1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
4. [Healthcare Insurance for Health Care Services](https://www.heffins.com/business-insurance/health-care/). Heffernan Insurance Brokers; Healthcare Services: Allied Health & Specialty Centers, Home Care Agencies, Medical Malpractice (Med Mal), Senior Living Communities; from physician groups, clinics, and hospitals to patient transport companies and laboratories; if you'd like a fully insured plan, we have relationships with the nation's top insurance carriers; explore captive, partially-self-insured or fully-self-insured plans; dovetail all the coverages you need — from workers' compensation to professional liability, cyber liability and more. Accessed 2026-09-23.

### Mylo

5. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
6. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
7. [Medical Malpractice Insurance](https://choosemylo.com/medical-malpractice). Mylo; Protect your healthy reputation with medical malpractice insurance; What types of coverage are available? (claims-made, occurrence, tail coverage); What about lawsuits from data breaches?; Medical malpractice insurance FAQs. Accessed 2026-09-23.

### Medical Malpractice Insurance Guide

8. [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.
9. [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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