Insurance for Medical Professionals

Specialty insurance solutions tailored to your unique needs.
Get Started

It's time for an insurance check-up: XINSURANCE provides customized insurance solutions for medical professionals

Our specialized insurance solutions, including malpractice insurance, give medical professionals the confidence and peace of mind to focus on their essential work. With XINSURANCE, you can protect your practice and career against unexpected risks and liabilities.

Insurance for Medical Professionals: What it is and Why You Need it

Insurance for medical professionals refers to specialized insurance coverage that is specifically designed to protect healthcare providers, including doctors, nurses, and surgeons, from the risks and liabilities associated with their profession. This type of insurance primarily includes professional liability insurance, commonly known as malpractice insurance. Its purpose is to provide financial protection in the event of lawsuits related to medical errors or negligence, which may result in bodily injury or medical expenses.

Many medical professionals are legally required to have malpractice insurance. This insurance coverage assists healthcare providers in managing the costs associated with legal defense, settlements, and damages resulting from malpractice or other liability claims. In the U.S., there are 20,000 malpractice lawsuits filed every year! Insurance allows them to concentrate on delivering excellent patient care, knowing they have maximum protection against potential liabilities that could arise in their practice.

Medical Professionals We Can Help

  • Doctors/Physicians
  • Surgeons
  • Nurses
  • Specialists
  • Dentists
  • Therapists
  • Pharmacists
  • Medical Technologists
  • Healthcare Assistants
  • Allied Health Professionals
  • And More!
View All

Insurance Coverage Options for Medical Professionals

Professional Liability

Also known as medical malpractice insurance, professional liability can provide coverage for claims regarding negligent acts, errors, misdiagnosis, treatment mistakes, etc. Learn more.

General Liability

Provides coverage for injuries and property damage sustained by third parties.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal you own, such as a service dog or therapy dog. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle, such as an ambulance, primarily used for business purposes. Learn more.

*Available in most states

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

View All

How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Learn More About Insurance for Medical Professionals

Are Medical Professionals Covered By Their Employer?

Most employers do provide some level of malpractice insurance for medical professionals. However, it’s important to note that the extent of coverage may vary depending on the employer and the specific terms of the insurance policy.

XINSURANCE can review your insurance policy at no cost or obligation to help identify gaps and exclusions that expose you to liabilities and potential lawsuits. Upon review, we can offer an insurance solution that fills the gaps and gives you true peace of mind.

How Much Does Medical Malpractice Insurance Cost for Medical Professionals?

The cost of medical malpractice insurance varies significantly depending on factors such as the medical specialty, geographical location, experience level, claims history, coverage limits, and more. Contact XINSURANCE to get a more accurate cost.

Do You Provide Insurance For Volunteer or Retired Physicians?

Yes, XINSURANCE provides insurance solutions for volunteer physicians and retired physicians. Did you know that almost half of physicians 55 or older reported in 2022 that they had been sued at some point in their careers? We are to help and provide an insurance solution tailored to your needs.

General Liability Insurance for Medical Professionals

Healthcare providers also experience many of the same liability exposures that other business owners face. A general liability insurance policy protects against bodily injuries and property damage sustained by third parties that aren’t related to the administering of medical care.

Examples of the situations that general liability could cover:

  • Injuries: Suppose a patient or visitor slips on a wet floor in a hallway while leaving a medical facility and breaks his leg. If you are held liable, the GL policy could cover the individual’s medical bills and court-ordered payouts or legal costs resulting from litigation, up to policy limits.
  • Property damage: In some situations, a medical staff member may need to handle the personal items of a patient receiving treatment at a healthcare facility. If these items sustain damage or mysteriously “disappear,” the property damage component of a general liability policy could cover the loss, up to policy limits.
  • Advertising injuries: These days, healthcare facilities, private practice physicians, dentists, and other medical professionals rely on advertising to market their services and attract new patients. General liability can cover accidental injuries that may result from advertising practices, such as defamation (claims of damaging a competitor’s reputation via slander or libel) or copyright infringement (unauthorized use of the intellectual property of others), up to policy limits.

Please note that XINSURANCE does not offer workers’ compensation insurance that covers work-related illnesses or injuries sustained by employees of healthcare facilities.

View All

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service