---
title: "Compare Medical Malpractice Insurance Quotes"
description: "Compare medical malpractice quotes with Spot: insured clinicians and entities, shared limits, defense terms, occurrence or claims-made timing and tail coverage."
canonical: "https://spot.insure/insurance/medical-malpractice/compare-quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance/medical-malpractice/compare-quotes)

## Agent Guide

**What this page is:** Compare medical malpractice quotes with Spot: insured clinicians and entities, shared limits, defense terms, occurrence or claims-made timing and tail coverage.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Compare medical malpractice insurance quotes with Spot

Malpractice quotes depend on who is insured, shared limits and how coverage dates work, so Spot sets those side by side.

- Insured clinicians, staff and entities listed per quote
- Occurrence, claims-made and tail terms compared
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=comparison&coverage=medical-malpractice&icp=healthcare)

## How it works

- **Share your practice and the quotes.** Send clinician details, specialties, procedures, locations, telemedicine work and earlier insurance, along with each proposal.
- **We check who and what is insured.** Spot compares each quote’s insured people and entities, its shared limits and whether the services it names match your practice.
- **Ask about coverage dates.** Your Spot team explains each quote’s occurrence or claims-made timing, its retroactive date and the options when you change insurers or leave practice.
- **Choose and bind.** Pick the quote that keeps your care covered. Your Spot team helps you bind it and keeps your coverage continuous.

## What to compare

- **Insured people.** Employed physicians, other clinical staff and contractors, and which of them each quote names.
- **The practice entity.** Whether the practice itself is insured as well as the people in it.
- **Shared limits.** Whether insureds share one limit, so a claim against one can affect the protection left for others.
- **Services described.** Your specialties, procedures, locations and telemedicine work against what the policy covers.
- **Per-incident and total limits.** The limit per medical incident against the total policy limit, and whether defense costs sit inside or outside them.
- **Defense control and consent.** Who controls your defense and whether the insurer needs your consent to settle.
- **Coverage timing.** For occurrence coverage, when the medical event must happen; for claims-made, when a claim must be made or reported and the retroactive date.
- **Tail or prior-acts coverage.** What each quote offers if you change insurers or leave practice.

## Differences to watch for

- **Limits shared with colleagues.** One claim can reduce what’s left for the other people on the policy.
- **Dates that have to line up.** Record when care took place, when the claim arrived and when you reported it. Reporting instructions matter under either structure.
- **Leaving practice or switching.** Without tail or prior-acts coverage, later claims about earlier care can fall through the gap.
- **Risks a malpractice quote leaves out.** Premises, patient data and employees need general liability, cyber and employment coverage.

## Coverage

- [Medical malpractice](https://spot.insure/insurance/medical-malpractice/quotes)

## Common questions

### Is occurrence coverage better than claims-made?

They work differently. Spot explains how each quote’s timing would affect a claim you might make.

### What is tail coverage?

An extended reporting option for later claims about earlier work, often considered when changing insurers or leaving practice.

### Does Spot work with my broker?

Yes. Your broker can stay, because Spot takes no commissions on premiums and works with whichever broker you choose.

### Do telemedicine services change the comparison?

Yes. Describe them so you can confirm each policy matches that work.

## More

- [Compare quotes](https://spot.insure/compare-insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/medical-malpractice/compare-quotes.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)