Beazley vs Counterpart: Medical Malpractice Insurance

Counterpart writes allied-health liability through wholesale brokers and shows example limits; Beazley's version is a module of its Virtual Care policy built for telehealth providers and applied for via a broker.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

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 ↗

Counterpart

  • role: Counterpart describes its business insurance as offered by its producer and surplus-lines broker through wholesale brokers. The channel does not identify which insurer issues a healthcare placement.company-reportedSource ↗Source ↗
  • eligibility: Counterpart’s Allied Medical & Healthcare page names specific allied-health classes for its product. The product is scoped to the classes named on that page and does not establish universal coverage for physicians, hospitals or all clinical practice.company-reportedSource ↗
  • coverage: Counterpart markets combined liability protection and coverage enhancements for the named allied-health classes. The summary does not establish a standalone conventional malpractice policy or a particular professional’s entitlement.company-reportedSource ↗
  • limits: The page displays example limit and retention figures for selected healthcare scenarios. Examples are not a quote, guarantee or universal limit.company-reportedSource ↗

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

Program Fit and Limits

Beazley describes professional liability as a module in its Virtual Care policy for telehealth providers and in a separate Life Sciences policy for larger organizations. Counterpart's Allied Medical & Healthcare product names allied-health classes and combines liability protection with coverage enhancements. A clinician, digital-care company and allied-health practice may therefore encounter different program structures; identify which Beazley program or Counterpart class fits the actual services performed. [2] [1] [4]

How to Assess the Limits

Counterpart displays illustrative limit and retention figures for selected healthcare scenarios. Beazley's reviewed Virtual Care and Life Sciences pages list application brochures but publish no comparable malpractice limit or retention figures. Treat Counterpart's examples as illustrations, not a quote, and ask Beazley for the terms on the selected program. [2] [1] [4]

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

  • For Beazley, confirm whether the quote is Virtual Care or Life Sciences and whether it covers your clinical delivery model. For Counterpart, ask whether your exact allied-health class matches an example and what limits apply to your own quote. [2] [1] [4]

Beazley includes healthcare professional liability in separate Virtual Care and Life Sciences programs; Counterpart names allied-health classes and sample terms.

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
    How can I get insurance through Counterpart?

    Counterpart Knowledge Center · Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. · accessed 2026-09-28

  4. 04
    Allied Medical & Healthcare Liability

    Counterpart, Inc. · Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session. · accessed 2026-09-28

  5. 05
    Counterpart | Agentic Insurance™

    Counterpart, Inc. · Retained provider source: footer states insurance products are offered by Counterpart Insurance Services, Inc., described as a licensed producer and surplus-lines broker; product/state availability varies, issuer not mapped by product/state. Prior access 2026-09-29. · accessed 2026-09-29

  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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