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Healthcare Professional Liability Insurance


What is Healthcare Professional Liability Insurance?

Healthcare Professional Liability Insurance, also known as medical malpractice insurance, helps protect licensed doctors and other healthcare professionals and organizations from the financial and reputational risks associated with allegations of wrongful practices. Professional liability insurance for healthcare professionals specifically addresses the challenges that healthcare providers are vulnerable to, including Good Samaritan acts and lawsuits that allege medical malpractice or misconduct.

Why Zurich?

Zurich understands the full spectrum of risks that medical providers face while delivering healthcare services to their patients. It’s important work that is highly vulnerable to liability issues that can threaten healthcare providers financially and reputationally.

Our deep product knowledge and decades of experience give us the ability to help our customers navigate the challenges of today’s complex, constantly evolving and often litigious marketplace. Zurich also offers a broad suite of insurance coverages and risk management services dedicated specifically to healthcare professional liability. We can deliver the solutions you need.


Proven track record
We have delivered solutions for the healthcare professional liability space over 25 years, demonstrating our deep commitment to this sector.

Financial strength
Zurich American Insurance Company is rated A+ by A.M. Best and AA- by Standard & Poor’s.*

Educational outreach
Our Risk Management Consultants are committed to providing customers with the information they need on emerging risks and trends.


medical group round table


Professional Liability and General Liability coverage provided with a deductible or over a small self-insured retention. Coverage is enhanced to include:

  • Crisis management (public relations, evacuation and disinfection expenses)
  • Subpoena response assistance
  • Good Samaritan acts
  • Abusive acts coverage and more
doctor at reception desk

Excess and Umbrella

Specific coverage for Healthcare Professional Liability, Commercial Umbrella Liability and Excess Follow Form Liability. Solutions can include coverage for crisis management expenses, abusive acts, e-discovery and more.


Captive Reinsurance

Zurich offers facultative reinsurance, coverage for a single risk or a block of risks, of single-parent captives owned by healthcare organizations. Coverage is uniquely designed for each organization.

medical graph

Broad suite of coverages

Zurich offers multiple lines of coverage for the Healthcare Professional Liability space, including Property, Management Liability, Workers’ Compensation, Auto Liability and Physical Damage, International, Cyber Security and Environmental Pollution.

Tools and services

  • Benchmark Study of Healthcare Professional Liability Claims

    Zurich’s annual report, created on behalf of our customers, taps into our robust claims database and deep knowledge of marketplace liability trends and costs.

    Read the Report


  • Claims

    Our Healthcare Professional Liability Claims professionals are all attorneys with specialized knowledge of claims against healthcare institutions, facilities and providers. We can help customers quickly and cost-effectively manage and close claims.

    Our Claims consultants are committed to delivering responsive and customized service that addresses the specific needs of our Healthcare Professional Liability customers.

    Services include:

    • Designated Claims contacts to help investigate claims and develop effective litigation strategies
    • Assistance in identifying experienced mediators, medical experts, defense counsel and structured settlement brokers for claims nationwide
    • Access to select public relations/crisis event management vendors (as per policy endorsement)


     Information on submitting a Healthcare Professional Claim
  • Risk Management Consulting

    Zurich’s clinically trained Risk Management Consultants are certified medically trained professionals able to leverage that experience in today’s evolving healthcare landscape for our Healthcare Professional Liability customers. We also have access to the expertise of Zurich’s Risk Engineering Services team. Services include:

    • Onsite risk assessments that help identify issues that could impact patient safety and a customer’s risk profile, including obstetrics, emergency department, surgery, radiology, ambulatory care, behavioral health and more
    • Educational programs addressing clinical documentation, threats to patient safety, healthcare investigations, liability trends and other emerging risks
    • Webinars that explore a variety of emerging risks and important trends
    • Loss Bites, our quarterly newsletter sharing lessons learned from large losses
    • Virtual roundtables that promote discussions on challenging disclosure situations and foster collaborative support
    • Networking opportunities for customers to share and learn with peers and Zurich Risk Consultants
    • Subscription to Healthcare Risk Control, a publication from the ECRI Institute (formerly Emergency Care Research Institute), an independent authority on healthcare practices and products that improve the safety, quality and cost-effectiveness of patient care


    Learn more about Zurich Risk Engineering


* Rating as of October 29, 2019. A.M. Best is under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at The rating represents the overall financial status of the individual member companies of Zurich in North America, including Zurich American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of each issuing insurance company.