What Are the Key Differences Between Beazley and Mylo Medical Malpractice Insurance?
Solo Clinicians vs Telehealth and Life-Sciences Companies
Beazley's Virtual Care cover targets telehealth providers such as doctors, psychiatrists, therapists and nurse practitioners delivering care remotely, and its Life Sciences policy targets middle-to-large pharmaceutical, device and biotech companies rather than individual providers. Mylo tailors the policy to your medical specialty and compares carriers for your practice. Choose Mylo if you are an in-person clinician buying malpractice on its own; choose Beazley if you run a telehealth or life-sciences business that also needs E&O, products or general liability in the same policy. [2] [1] [5]
Claims-Made, Occurrence and Tail
Mylo lets you pick claims-made (the policy must be active when care was given and when you are sued) or occurrence (only active when care was given), with optional tail if a claims-made policy ends. Beazley's pages publish no trigger election or limits, so you learn those only from a quote. [5] [2]
Cyber and Application Route
Mylo says malpractice alone doesn't cover ransomware and offers cyber as an add-on. Beazley works through downloadable broker applications, including a Virtual Care Professional Liability form, so you need a broker to apply. [5] [2] [1]