What Are the Key Differences Between Beazley and Heffernan Insurance Brokers Medical Malpractice Insurance?
Bundled Module Versus Brokered Healthcare Program
Beazley doesn't sell a standalone malpractice policy on its reviewed pages: Healthcare Professional Liability is one module of its Virtual Care policy and one of four core coverages in its Life Sciences policy, next to products, E&O and general liability. Heffernan is a broker, so it places malpractice with carriers and can package it with workers' compensation, professional liability and cyber for one client program. Choose Beazley if you run a digital-health or life-sciences business and want those risks on one policy; choose Heffernan if you operate a care facility and want a broker to assemble several healthcare lines. [2] [1] [4]
Who Each Serves
Beazley's Virtual Care cover targets clinicians delivering care remotely, from doctors and psychologists to nurse practitioners and dentists; Life Sciences targets middle-to-large pharmaceutical, device, biotech, contract-research and diagnostics companies, not individual providers. Heffernan's team works with physician groups, clinics, hospitals, patient transport, laboratories, home care and senior living. [2] [1] [4]
Alternatives to Buying a Policy
Heffernan offers captive, partially self-insured and fully self-insured structures, and says it has served nonprofit health care organizations. Beazley's pages describe only its insured modules, bought through a broker using its application brochures. If your organization is large enough to retain its own malpractice risk, only Heffernan's reviewed materials describe that route. [4] [2] [1]
What Should You Confirm in Beazley and Heffernan Insurance Brokers Medical Malpractice Insurance Quotes?
- Ask Beazley for malpractice limits, retentions and whether the module is claims-made or occurrence; its pages publish none of these. [2] [1]
- Ask Heffernan which carrier would issue your malpractice policy, since its page names none. [4]
- Ask Beazley how malpractice claims are handled beyond its general claim-notice channel. [2]