Counterpart vs Usi: Medical Malpractice Insurance

USI Insurance Services advises hospitals, surgery centers and physician groups, while Counterpart's allied medical page lists specific allied-health classes and is sold through wholesale brokers.

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 Counterpart and USI Insurance Services Medical Malpractice Insurance?

Program Fit and Limits

Counterpart lists specific allied-health classes and publishes selected example limits and retentions. USI Insurance Services describes medical professional liability for settings from individual physician groups to hospitals, surgery centers, dialysis clinics and senior-care facilities. That breadth can matter for organizations with several care sites or service lines; an individual allied provider should still check whether Counterpart's class list fits the work and entity structure. [2] [8]

How the Broker Frames the Placement

USI Insurance Services lists medical professional liability alongside other healthcare specialty coverages and describes access to captives, risk-retention groups and risk-purchasing groups. Counterpart describes combined liability protection and enhancements for named allied-health classes. Ask USI what coverages and risk-financing structure are proposed, and ask Counterpart which enhancements appear in the quote. [8] [2]

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

  • Counterpart: confirm the allied-health class, quote-specific limits and included enhancements. USI Insurance Services: identify the insurer and whether the proposal uses a traditional policy, captive or risk-retention/purchasing group structure. [2] [8]

USI's Healthcare practice places medical professional liability for settings from physician groups to hospitals; Counterpart names allied-health classes and sample terms.

Sources reviewed

  1. 01
    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

  2. 02
    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

  3. 03
    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

  4. 04
    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

  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

  8. 08
    Healthcare

    USI Insurance Services · USI's Healthcare Practice addresses risk exposures...for organizations associated with the healthcare industry...; serves hospitals, physicians, surgery centers, dialysis clinics, senior care/assisted living facilities...; offers specialty coverages...including: Medical Professional (Malpractice) Liability...; captives, risk retention groups and risk purchasing groups; ACO Shield...CHC Shield...; CASE STUDY: USI's Healthcare Review of Loss History Records · accessed 2026-09-23

Areas of coverage

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 ↗

USI Insurance Services

  • role: USI is a broker for medical malpractice coverage. Its Healthcare practice advises clients on risk and places medical professional liability coverage rather than underwriting it. Healthcare practice page.company-reportedSource ↗
  • insurer: The Healthcare practice page does not name a specific medical malpractice insurer; it says USI has access to both traditional and nontraditional risk-transfer structures, including captives, risk retention groups and risk purchasing groups, without naming a carrier for any of them. Page as read on 2026-09-23.not-disclosedSource ↗
  • eligibility: USI's Healthcare practice says it serves hospitals, physicians, surgery centers, dialysis clinics, senior care and assisted-living facilities, residential treatment facilities, permanent and locum tenens staffing companies, urgent care centers and managed care organizations, ranging from regional health systems to individual doctor groups and clinics. Company description of client base, not a guaranteed underwriting appetite.company-reportedSource ↗
  • coverage: USI lists Medical Professional (Malpractice) Liability alongside related healthcare specialty coverages it places, including healthcare general liability, D&O, healthcare facility property, workers' compensation, employment practices liability, cyber liability and HIPAA privacy, medical billing and governmental regulatory claims coverage, and required bonding. Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued policy.company-reportedSource ↗
  • services: USI cites a case study where its Healthcare team reviewed 26 years of a 220-physician group's malpractice loss history, found the client was overpriced with an outdated limit structure, and says the analysis produced about $350,000 in negotiated savings plus a retention-funding change projected to cut premium by close to $1,000,000 in a year. Single named case study; company-reported outcome, not independently verified, and not necessarily representative of every account.company-reportedSource ↗
  • application: USI directs healthcare organizations to email pcinquiries@usi.com or contact a local USI office to engage its Healthcare practice. Contact instructions on the Healthcare practice page.company-reportedSource ↗

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