What Are the Key Differences Between Harper and HUB International Medical Malpractice Insurance?
Speed to Coverage Versus Range of Forms
Harper starts with an online quote form, has a specialist explain occurrence versus claims-made before you commit, and says it can turn around quotes and certificates the same day. HUB sends you to a broker conversation and lists occurrence, claims-made and convertible claims-made structures, plus telemedicine liability for privacy breaches and technology errors. Choose Harper if you need proof of coverage quickly for privileges or a new job; choose HUB if you see patients virtually or want the option to convert a claims-made policy later. [2] [3]
How Each Handles Tail Coverage
Harper says most policies it places are claims-made, so it focuses on your retroactive date and buying a tail when you change jobs, retire or switch carriers. HUB describes a free tail under a death, disability and retirement benefit once you've stayed with the same carrier for two to five years. If you expect to move soon, Harper's guidance is the relevant one; if you're settling in until retirement, HUB's benefit matters more. [2] [3]
Defense Features
Harper says the coverage it places defends licensing-board complaints as well as lawsuits and can cover the practice entity, not just individual clinicians. HUB highlights claims defense with settlement-consent provisions, meaning you have a say before a claim is settled. [2] [3]