Beazley vs Harper: Medical Malpractice Insurance

Harper is a broker with an online quote form and same-day certificates for individual clinicians; Beazley folds healthcare liability into its Virtual Care policy for telehealth businesses and takes broker-submitted applications.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

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

Individual Clinicians Versus Digital-Health and Life-Sciences Companies

Harper shops malpractice for clinicians and care businesses with carriers that know their specialty, and can also cover the practice entity. Beazley bundles Healthcare Professional Liability into Virtual Care for telehealth providers, and into Life Sciences alongside products, E&O and general liability for mid-to-large pharma, device, biotech, CRO and diagnostics firms. Choose Harper if you are a clinician or practice buying malpractice on its own; choose Beazley if you run a telehealth platform or life-sciences company that wants malpractice packaged with its other liability cover. [4] [2] [1]

Tail and Board Defense Are Spelled Out Only by Harper

Harper says most policies it places are claims-made, so your retroactive date and tail cost matter when you change jobs, retire or switch carriers. It also says the cover defends licensing-board complaints, not just lawsuits. Beazley's pages show a telemedicine claim scenario but publish no claims-made election, tail terms or board defense, so you only learn those from a quote. [4] [2] [1]

Same-Day Online Quote Versus Broker Application

Harper takes applications through an online quote form and says it can turn around quotes and certificates the same day. Beazley points to downloadable broker application brochures, so you go through a broker and wait on underwriting. [4] [2]

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

  • Ask Harper for the retroactive date, tail price and whether the practice entity is named. [4]
  • Ask Beazley which package you are quoting and whether it is claims-made or occurrence. [2] [1]
  • Get limits and retentions from both; neither publishes them. [4] [1]

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 ↗

Harper

  • role: Harper places medical malpractice coverage with carriers it describes as familiar with the clinician's or care business's specialty, rather than underwriting the policy itself. Product-page description of Harper's placement role for this line.company-reportedSource ↗
  • eligibility: Harper markets this line to clinicians and care businesses that need malpractice coverage for licensure or facility privileges, and it names tail coverage as a particular concern when a clinician leaves a practice or switches carriers. Product-page marketing copy; not an eligibility guarantee for a particular applicant or specialty.company-reportedSource ↗
  • coverage: Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. Product-page coverage summary; the issued policy and its exclusions control the actual terms.company-reportedSource ↗
  • coverage: Harper says most of the medical malpractice policies it places are claims-made, which makes the retroactive date and tail (extended reporting) coverage important when a clinician changes jobs, retires or switches carriers, and it also places entity coverage for the practice or facility itself, not only individual clinicians. FAQ and coverage-features text on the product page; actual trigger and tail terms depend on the specific policy.company-reportedSource ↗
  • limits: The reviewed medical malpractice page does not publish limit or retention amounts; it says cost and, implicitly, available terms depend on specialty, volume and claims history. Medical malpractice product page as read on 2026-09-23.not-disclosedSource ↗
  • services: Harper says it can issue certificates and quotes the same day for this line, and describes reaching both large carriers and specialty markets that write malpractice for a given specialty. Product-page service claims; not independently timed or confirmed for a particular request.company-reportedSource ↗
  • application: You apply for Harper medical malpractice coverage through an online quote form, and Harper says a specialist walks applicants through the occurrence-versus-claims-made and tail-coverage tradeoffs before they commit. Quote form and FAQ observed on the product page.company-reportedSource ↗

Harper is built for clinicians and care practices that need malpractice for licensure or privileges, with same-day quotes and certificates. Beazley only offers it as a module inside its Virtual Care and Life Sciences packages for telehealth and life-sciences companies.

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
    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

  4. 04
    Medical Malpractice Insurance

    Harper · Product hero; Know your coverage: What is Medical Malpractice insurance?; Professional liability for care, License defense, Tail and prior acts, Entity coverage; Why Harper; FAQ: Occurrence or claims-made?, Does it cover board complaints?, What does it cost? · accessed 2026-09-23

  5. 05
    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

  6. 06
    Medical Malpractice Insurance

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

  7. 07
    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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