Medical Professional Insurance

There is no profession where mistakes are more costly than medical.

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Each day, doctors and healthcare practitioners are entrusted with the lives and well-being of their patients. When life is at stake, hazards and risks are a constant threat. What happens when a nurse doesn’t properly sterilize a support tube, causing a life-threatening infection? Or a lung specialist fails to detect early cancer? Medical professional insurance guarantees that one mistake won’t undo a career, years and years in the making.

Get a medical professional insurance quote from a Regal Broker today and arrive at the hospital or clinic with confidence.

Medical Malpractice Insurance Coverage

At Regal, we offer medical malpractice insurance to:

Healthcare Clinics & Facilities
Individual Healthcare Professionals
Alternative Therapists
Assisted/Senior Care Facilities

Your medical malpractice insurance will provide you with a range of different coverages.

What exposures does someone in the medical field have?

In any job, mistakes can happen. However, in the medical field, a mistake has the potential to cause serious injuries to patients which could result in legal action.

What insurance coverage is recommended for someone in this field?

The coverage needed would depend on the specific job of the individual. An employee would typically only need Professional Liability, whereas a medical business would likely want to consider the following coverages:
– Commercial General Liability
– Professional Liability (Errors & Omissions)
– Property Coverage (Building, Office Contents, Tools & Equipment)
– Equipment Breakdown
– Cyber Coverage

Do you need coverage if you are an employee?

Although you may work for a hospital or clinic or care facility, the insurance coverage that they have may not always protect you as an individual employee.
If an employer considers you to have been negligent resulting in any type of injury to a patient, insurance can help protect you from legal action your employer may take against you.
Additionally, any coverage that your employer does have for you, would not apply for any services you offer outside of your workplace.

Commercial General Liability

Covers bodily injury and any property damage that occurs on your premises. Should you be found liable for a slip & fall claim, both damages and legal fees would be covered.

Medical Malpractice

Also known as errors & omissions, this covers any suits or claims arising from errors in your professional duties. Failure to diagnose or accidentally injuring a patient with your surgical tools are examples of the risks and hazards covered herein.

Property & Office Contents

Covers premises, patient records and medical equipment.

Equipment Breakdown

Machines are crucial for your day to day operations. Equipment breakdown insurance protects against power surges, short circuits, mechanical failure and staff errors that can destroy your lights, heating and computer systems to name a few.

Cyber Liability Insurance

Computers contain important patient information and data. This coverage protects against hackers and other information breaches resulting from cyber attacks.