What Are the Key Differences Between Beazley and HUB International Medical Malpractice Insurance?
Organization Package Versus Practitioner Policy
Beazley doesn't sell malpractice on its own: Healthcare Professional Liability is one module in its Virtual Care policy for digital-health businesses, and one of four core coverages in its Life Sciences policy for pharmaceutical, device and biotech companies. HUB is a broker placing malpractice for individual clinicians, from physicians and CRNAs to physical therapists and personal trainers, with "A"-rated carriers it doesn't name. Choose Beazley if you run a telehealth platform or life-sciences company; choose HUB if you're a practitioner buying your own policy. [2] [1] [4]
Policy Form and Tail Terms Up Front
HUB publishes the terms that decide what retiring or switching costs you: occurrence, claims-made and convertible claims-made forms, telemedicine cover for privacy breaches and technology errors, and a free tail on death, disability or retirement after two to five years with the same carrier. Beazley's pages show neither a form election nor any tail benefit, so you'll only learn them from a quote. [4] [2]
Applying and Reporting a Claim
Both routes run through a person. Beazley posts broker application brochures, including a Virtual Care Professional Liability form, and names a Healthcare Claims Team Leader. HUB asks you to talk to its brokers and describes claims defense with settlement-consent provisions. [2] [1] [4]
What Should You Confirm in Beazley and HUB International Medical Malpractice Insurance Quotes?
- Ask Beazley for the malpractice limit and retention inside the package, and whether the module is claims-made or occurrence. [2]
- Ask HUB which carrier would issue your policy and which form it is quoting. [4]
- Ask HUB exactly how many continuous years trigger the free DDR tail for your carrier. [4]
- Get published limits from both; neither lists them. [1] [4]