CNA vs Counterpart: Medical Malpractice Insurance

CNA offers primary and excess liability for facilities such as dialysis, clinics and home health; Counterpart targets named allied-health classes through wholesale brokers and shows example limits and retentions.

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

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

Classes and Coverage Structure

CNA lists medical professional liability for providers and facilities, including clinics, dialysis, ambulatory surgery, and home health. Counterpart’s Allied Medical & Healthcare page names allied-health classes and describes combined liability protection with coverage enhancements for those classes. If your account includes both a facility and individual practitioners, ask each provider to list the insured services and entities instead of assuming the broad labels match. [1] [3]

Example Terms Versus Layered Options

Counterpart displays example limits and retentions for selected healthcare scenarios; those figures are illustrations, not a promise for your risk. CNA describes primary liability and separate excess or umbrella towers. Request matching limits and retentions from both, and ask Counterpart which wholesale broker and issuing insurer will handle the placement. [3] [1] [2]

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

  • Ask Counterpart whether your provider class matches an illustrated scenario and request the actual terms. [3]
  • Ask CNA to separate primary and excess limits and confirm each covered entity. [1]

CNA lists U.S. healthcare facilities and outpatient classes such as clinics, dialysis, and home health, with separate excess or umbrella options; Counterpart names allied-health classes and illustrates selected scenario terms.

Sources reviewed

  1. 01
    Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA

    CNA · pp. 4–5, 7–8: healthcare classes, PL/GL options, claims and risk-control capabilities · accessed 2026-09-28

  2. 02
    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

  3. 03
    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

  4. 04
    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

  5. 05
    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

  6. 06
    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

  7. 07
    Medical Malpractice Insurance

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

  8. 08
    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

Areas of coverage

CNA

  • eligibility: CNA lists medical professional liability for healthcare facilities and providers, including outpatient classes such as ambulatory surgery, dialysis, clinics and home health. Entity: CNA brand; underwriting company may vary Product: Healthcare medical professional liability for listed facilities/providers Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗
  • coverage: CNA describes primary professional liability options and separate excess/umbrella towers for healthcare accounts. Entity: CNA brand; underwriting company may vary Product: Healthcare medical professional liability Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗
  • claims: CNA describes a healthcare claims team of 70 professionals averaging 20 years of experience, including medical-malpractice litigation experience. Entity: CNA brand; underwriting company may vary Product: Healthcare professional-liability claims service Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company-reported staffing/experience; not an outcome or service-level guarantee. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗
  • services: CNA describes consultative risk-control assessments and training for healthcare customers. Entity: CNA brand; underwriting company may vary Product: Healthcare professional liability risk-control services Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Service description does not alter policy coverage. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗

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 ↗

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