Beazley vs Corgi: Medical Malpractice Insurance

Corgi's medical malpractice is a specialty quote taking 1 to 14 days, outside its instant online flow; Beazley bundles healthcare liability for telehealth companies into Virtual Care, applied for through a broker.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-29

What Are the Key Differences Between Beazley and Corgi Medical Malpractice Insurance?

Built for Telehealth and Life Sciences vs General Healthcare Practices

Beazley writes this coverage for two defined groups: remote-care clinicians (doctors, psychiatrists, therapists, nurse practitioners, dentists and others treating over video) and middle-to-large pharmaceutical, device, biotech, contract-research and diagnostics companies. Corgi pitches its line more broadly at healthcare professionals and organizations, outside its core tech-startup lineup. Choose Beazley if you run a virtual-care service or a life-sciences company; choose Corgi if you're a healthcare practice that doesn't fit either Beazley segment. [2] [1] [5]

One Module in a Package vs Its Own Policy

At Beazley, professional liability arrives inside a wider policy; Life Sciences pairs it with products, E&O and general liability, so you buy several coverages together through a broker's application. Corgi sells malpractice as its own product, but not through the instant flow it uses for D&O or Tech E&O, so plan on up to two weeks for a quote. [1] [3]

What Neither Side Publishes

Neither Beazley nor Corgi lists malpractice limits, retentions or a claims-made election. Corgi also doesn't name the insurer for this line. Beazley shows a telemedicine claim example: remote advice on abdominal pain allegedly preceding a bowel rupture. [2] [4]

What Should You Confirm in Beazley and Corgi Medical Malpractice Insurance Quotes?

  • Ask Beazley's broker which application applies (Virtual Care Professional Liability, Life Sciences or another) and which other modules you must buy with it. [2] [1]
  • Ask Corgi which insurer, affiliated or partner, will issue the policy. [4]
  • Get limits, retentions, claims-made or occurrence trigger and retroactive date in writing from both. [2] [5]

Areas of coverage

Beazley

  • role: Healthcare Professional Liability is one of several coverage modules bundled into Beazley's Virtual Care policy for digital-health businesses. It is not sold as a standalone medical-malpractice policy on this page. Virtual Care coverage list, digital-health segment only.company-reportedSource ↗
  • role: Beazley also lists Healthcare Professional Liability as one of four core coverages in its separate Life Sciences policy, alongside Products/Completed Operations, Errors & Omissions Liability and General Liability. Life Sciences core-coverages list, middle-to-large life-sciences segment; a distinct product and customer segment from Virtual Care.company-reportedSource ↗
  • eligibility: For the Virtual Care segment, Beazley's healthcare professional liability targets telehealth and telemedicine providers who deliver diagnosis, treatment recommendations and care remotely, including doctors, psychiatrists, psychologists, nurse practitioners, physician assistants, therapists, nurses, hospitals, dentists and other ancillary providers. Virtual Care "Who we can help" section, digital-health telehealth businesses.company-reportedSource ↗
  • eligibility: For the Life Sciences segment, the same coverage sits inside a policy aimed at middle-to-large organizations such as pharmaceutical, medical-device, biotechnology, contract-research and diagnostic-services companies, not individual medical providers. Life Sciences "Who we can help" section, distinct middle-to-large life-sciences customer segment.company-reportedSource ↗
  • coverage: Beazley illustrates the Virtual Care professional-liability trigger with a telemedicine scenario: a doctor's remote advice on abdominal pain allegedly preceded a bowel rupture, framing the coverage around claims arising from clinical advice given during a virtual consultation. Illustrative example scenario on the Virtual Care page; not policy wording or a real claim outcome.company-reportedSource ↗
  • limits: Neither reviewed page publishes specific medical-malpractice limits, retentions or a claims-made versus occurrence election for the healthcare-professional-liability module. Those terms appear only on an actual quote. Both pages as read on 2026-09-23; general Beazley healthcare underwriting material describes tailorable limits and retentions without naming amounts.not-disclosedSource ↗Source ↗
  • application: Beazley lists downloadable broker application brochures for this coverage, including a "Virtual Care - Professional Liability" form and separate Life Sciences, BioSecure, NutraGuard and WellTech applications, pointing to a broker-submitted process rather than a direct online application. Tools & Resources sections of both pages.company-reportedSource ↗Source ↗
  • claims: Both pages name a dedicated Claims Team Leader for Healthcare and other claims managers, and direct policyholders to Beazley's general "Notify a Claim" channel. Neither page describes malpractice-specific claims-handling steps. Team listings and claims-contact links on both pages.company-reportedSource ↗Source ↗

Corgi

  • role: Corgi lists Medical Malpractice as one of its specialty coverages, quoted with a 1-14 day turnaround rather than the instant online quote it offers for CGL, D&O, Tech E&O, and its other core startup policies. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated Medical Malpractice product page was found on the site; a direct URL guess (/medical-malpractice) returned a 404.company-reportedSource ↗Source ↗
  • coverage: Corgi describes Medical Malpractice as protecting healthcare professionals and organizations against claims alleging negligence in the delivery of medical services. One-sentence catalog description on the homepage and startup-insurance page; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line.company-reportedSource ↗Source ↗
  • eligibility: Corgi frames the product for healthcare professionals and organizations, in contrast to its core lineup, which targets general technology startups. Catalog description; no size, specialty, or state restrictions are published for this line.company-reportedSource ↗Source ↗
  • insurer: No page names the carrier that issues Medical Malpractice coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. Disclaimers page general underwriting disclosure, checked for a medical-malpractice-specific statement and finding none as of 2026-09-23.not-disclosedSource ↗
  • limits: No limit, retention, or illustrative policy structure is published for Medical Malpractice, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. Reviewed pages as of 2026-09-23; limits would appear on an actual quote.not-disclosedSource ↗Source ↗
  • application: Medical Malpractice sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. Homepage and startup-insurance page policy-card labeling.company-reportedSource ↗Source ↗
  • services: The reviewed pages do not describe risk-management or claims-handling services specific to Medical Malpractice policyholders. Homepage and startup-insurance page as read on 2026-09-23; general claims-handling disclosures on the disclaimers page are not specific to this line.not-foundSource ↗Source ↗

Telehealth practices and pharma, device or biotech companies get malpractice from Beazley as one part of a broker-submitted package policy; healthcare professionals wanting a separate malpractice policy can request a Corgi specialty quote, which takes 1–14 days rather than minutes.

Sources reviewed

  1. 01
    Life Sciences

    Beazley · What we offer; Our Coverages: Products/Completed Operations, Healthcare Professional Liability; Who we can help: middle-to-large life-sciences organizations · accessed 2026-09-23

  2. 02
    Virtual Care

    Beazley · Available Coverages; Who we can help; Where is this offered · accessed 2026-09-23

  3. 03
    Corgi Insurance: Startup Insurance, Quoted in Minutes

    Corgi Insurance · Explore Our Main Policies list: "1-14 days turnaround Medical Malpractice" card, same one-sentence description as the startup-insurance page · accessed 2026-09-23

  4. 04
    Disclaimers & Licensing

    Corgi Insurance · Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures · accessed 2026-09-23

  5. 05
    Startup Insurance | Corgi Insurance

    Corgi Insurance · Specialized Coverages section: "1-14 days turnaround Medical Malpractice — Protects healthcare professionals and organizations against claims alleging negligence in the delivery of medical services." · accessed 2026-09-23

  6. 06
    Physicians Medical Professional Liability — Specimen Policy

    Curi underwriting companies identified on specimen cover · Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13 · accessed 2026-09-16

  7. 07
    Physician Application

    MedPro Group / issuing companies identified on application · I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.6 · accessed 2026-09-16

  8. 08
    Medical Malpractice Insurance

    National Association of Insurance Commissioners · Background: Issue; Overview; two basic types · accessed 2026-09-16

  9. 09
    Medical Liability Insurance shopping guide

    Texas Department of Insurance · What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips · accessed 2026-09-16

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