--- title: "Heffernan Insurance Brokers vs USI Insurance Services Medical Malpractice Insurance" description: "Heffernan and USI both broker healthcare malpractice programs; Heffernan emphasizes captives, USI cites a 220-physician loss-history case study." canonical: "https://spot.insure/compare/heffernan-vs-usi/medical-malpractice" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/heffernan-vs-usi/medical-malpractice) # Heffernan Insurance Brokers vs USI Insurance Services Medical Malpractice Insurance Heffernan and USI both broker healthcare malpractice programs; Heffernan emphasizes captives, USI cites a 220-physician loss-history case study. ## Research Scope and Use Use this comparison to evaluate Heffernan Insurance Brokers 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 Heffernan and USI both broker medical malpractice rather than underwrite it. Heffernan packages Med Mal with other healthcare lines and offers captive or self-insured structures; USI’s Healthcare practice names a similar facility list and cites a 26-year malpractice loss-history review for a 220-physician group. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") ## 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 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. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](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. [9](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [10](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide") ## Key Differences in Medical Malpractice Insurance ### Two Healthcare Brokerages, Different Public Proof Points Heffernan lists Medical Malpractice as a named healthcare specialty and places it with carriers. USI likewise advises and places medical professional liability through its Healthcare practice. The practical split on the reviewed pages is how each describes risk finance and account work, not who “is” a broker. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") ### Captives Versus a Named Loss-History Study Heffernan offers captive, partially self-insured or fully self-insured healthcare plans and mentions nonprofit healthcare experience. USI says it can access captives, risk retention groups and risk purchasing groups, and it publishes a case study in which its team reviewed 26 years of a 220-physician group’s malpractice losses and says that work produced about $350,000 in negotiated savings plus a retention change projected to cut premium by close to $1,000,000 in a year. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") ### Client Lists That Overlap on Facilities Heffernan names physician groups, clinics, hospitals, patient transport, laboratories, allied health, home care and senior living. USI names hospitals, physicians, surgery centers, dialysis, senior care, residential treatment, locum staffing, urgent care and managed care. Heffernan packages Med Mal with workers’ compensation, professional liability and cyber; USI lists malpractice beside a longer specialty catalogue including HIPAA, billing and regulatory claims and bonding. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") ## What to Confirm in Medical Malpractice Insurance Quotes - Ask both whether the proposal is traditional insurance, a captive, an RRG or a purchasing group, and who issues the paper. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") - Ask USI whether a loss-history review like the 220-physician case study is part of your engagement. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") - Ask Heffernan which other healthcare lines would sit in the same program. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") - Use USI’s published inquiries email or local-office path and Heffernan’s healthcare team contact to get comparable submissions. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") ## Offering Details | Criteria | Heffernan Healthcare Insurance — Medical Malpractice | USI Healthcare Practice — Medical Professional (Malpractice) Liability | | --- | --- | --- | | 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..) | 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. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Healthcare practice 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 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. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Not publicly disclosed; scope: Page as read 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..) | 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. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Company description of client base, not a guaranteed underwriting appetite..) | | 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..) | 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. [8](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..) | | 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..) | 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. [8](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 | Not described in the reviewed sources. | USI directs healthcare organizations to email pcinquiries@usi.com or contact a local USI office to engage its Healthcare practice. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Contact instructions on the Healthcare practice page..) | ## Full Comparison - [Heffernan Insurance Brokers vs USI Insurance Services](https://spot.insure/compare/heffernan-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. - [Heffernan Insurance Brokers vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-usi/commercial-property) - [Heffernan Insurance Brokers vs USI Insurance Services Crime Insurance](https://spot.insure/compare/heffernan-vs-usi/crime) - [Heffernan Insurance Brokers vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/heffernan-vs-usi/cyber) - [Heffernan Insurance Brokers vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/heffernan-vs-usi/employee-health-benefits) - [Heffernan Insurance Brokers vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-usi/employment-practices) - [Heffernan Insurance Brokers vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-usi/fiduciary) - [Heffernan Insurance Brokers vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-usi/professional-errors-omissions) - [Heffernan Insurance Brokers vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/heffernan-vs-usi/representations-warranties) - [Heffernan Insurance Brokers vs USI Insurance Services Surety Bonds](https://spot.insure/compare/heffernan-vs-usi/surety-bonds) - [Heffernan Insurance Brokers vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-usi/workers-compensation) - [Beazley vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-heffernan/medical-malpractice) - [Beazley vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-usi/medical-malpractice) - [Corgi vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-heffernan/medical-malpractice) - [Corgi vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-usi/medical-malpractice) - [Harper vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-heffernan/medical-malpractice) - [Harper vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-usi/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. ### USI Insurance Services 5. [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. 6. [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. 7. [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. 8. [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 9. [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. 10. [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). 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