---
title: "Medical Malpractice Insurance"
description: "Medical malpractice with Spot: clinicians, procedures and telehealth described, claims-made dates checked, and tail coverage planned before you switch."
canonical: "https://spot.insure/insurance/medical-malpractice"
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)

## Agent Guide

**What this page is:** Medical malpractice with Spot: clinicians, procedures and telehealth described, claims-made dates checked, and tail coverage planned before you switch.

**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

# Spot for Medical Malpractice Insurance

Get quotes from medical malpractice insurance providers with Spot.

We get malpractice quotes for you or your practice, compare them with you and keep your coverage continuous when you switch jobs or insurers.

- Practice, clinicians and contractors checked for insured status
- Claims-made and retroactive dates reviewed before you bind
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?coverage=medical-malpractice). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch.

## How Spot helps

1. **Describe the care you give.** Your Spot team gathers clinician and practice details, specialties, procedures, locations, telemedicine work, prior insurance and retroactive dates, claims history and patient-safety measures.
2. **Check who the policy insures.** Spot compares each proposal with your roster, from the practice entity to employed clinicians, staff and contractors, and shows whether they share a limit.
3. **Compare limits and who controls your defense.** We work with brokers to take your submission to market, then line up each proposal’s per-incident and total limits, whether defense costs sit inside them, who controls your defense and whether the insurer needs your consent to settle.
4. **Plan ahead when you switch or leave.** Your policies and retroactive dates stay together in Spot. When you change insurers or leave practice, we bring the tail or prior-acts question forward while your current policy is still in force.

## Who we help

- **Independent clinicians.** A claim about your care names you, so the policy has to follow your actual specialty, procedures and locations.
- **Group practices and clinics.** The practice, employed clinicians and contractors may all need insuring, and a shared limit means one claim can reduce what’s left for the rest.
- **Telehealth providers.** Remote care belongs in the description of your services, and the policy should say it’s included.
- **Clinicians changing jobs or retiring.** A claim about earlier care can arrive after you leave, so tail or prior-acts coverage needs settling before the old policy ends.

## When to get this coverage

- **You’re opening a practice.** Decide early whether the practice, its clinicians and any contractors will be insured together, and at what limits.
- **You’re moving your malpractice to a new insurer.** Ask about prior-acts or tail coverage while your current policy is still active, so earlier care doesn’t fall between the two.
- **You’re retiring or leaving a group.** Claims about past patients can still arrive. Sort out tail coverage before the policy ends.
- **You’re adding telehealth or a new procedure.** Confirm the policy includes the new service and any new location before you start offering it.
- **You’ve brought on clinicians or contractors.** Find out whether they’re insured under your policy or need their own, and whether they draw on your limit.

## Common questions

Also known as malpractice insurance, medical professional liability insurance, medical liability insurance, healthcare professional liability insurance and physician malpractice insurance.

### What’s the difference between occurrence and claims-made?

Occurrence wording looks to when the care took place. Claims-made wording also looks to when the claim is made or reported, and to a retroactive date. Spot checks those dates in every proposal.

### Do I need tail coverage?

If you’re changing insurers or leaving practice, ask about tail or prior-acts coverage before your policy ends, especially on claims-made coverage. Spot raises it ahead of time.

### Does malpractice insurance pay for my defense?

Medical professional liability, as insurers often call it, can pay defense costs for a covered claim as well as damages. Whether those costs reduce your limit depends on the policy, so Spot compares it across quotes.

### Does malpractice cover a fall in our waiting room?

An injury on your premises that isn’t about patient care belongs in the general liability discussion. Spot reviews malpractice alongside general liability, cyber and employment coverage so they fit together.

### Can the broker who placed my current policy stay involved?

Yes. Spot works with them on your submission and the tail or prior-acts question, and takes no commissions on premiums. If you want a broker who knows your specialty better, you can switch.

## More

- [Business Insurance by Coverage](https://spot.insure/insurance)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/medical-malpractice.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)