Harper vs Mylo: Medical Malpractice Insurance

Both are brokers: Harper offers an online form with same-day certificates and covers licensing-board defense, while Mylo compares multiple carriers and can add cyber cover to a malpractice policy.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

What Are the Key Differences Between Harper and Mylo Medical Malpractice Insurance?

Licensing-Board Defense Versus Lawsuit-Only Wording

Harper says the coverage it places defends licensing-board complaints as well as lawsuits over diagnosis, treatment, medication or supervision. Mylo describes defense of lawsuits over misdiagnosis, wrong drug or dosage and surgical errors, and its page doesn't mention board complaints. A board complaint can threaten your license without any lawsuit, so that gap matters. Choose Harper if board defense or cover for your practice entity is a must; choose Mylo if you want several carriers' quotes side by side. [2] [4]

Mostly Claims-Made Versus Your Choice of Form

Harper says most of its placements are claims-made, so your retroactive date and tail decide whether you stay covered after changing jobs or retiring. Mylo offers both claims-made and occurrence forms plus optional tail, letting you price the trade-off yourself. Harper does say a specialist walks you through that choice after its online quote form. [2] [4]

Cyber and Speed Around the Policy

Mylo warns that malpractice doesn't cover ransomware and offers cyber for patient notification, credit monitoring and regulatory fines. Harper's page offers no cyber add-on for this line but promises same-day quotes and certificates, which helps if you need proof for credentialing. [4] [2]

What Should You Confirm in Harper and Mylo Medical Malpractice Insurance Quotes?

  • Ask Harper to confirm board-complaint defense and entity coverage are on the actual form. [2]
  • Ask Mylo for claims-made and occurrence prices together, with the tail cost. [4]
  • Ask Mylo whether its lawsuit wording extends to board complaints. [4]
  • Get the issuing insurer and limits from both; neither page publishes them. [2] [4]

Areas of coverage

Harper

  • role: Harper places medical malpractice coverage with carriers it describes as familiar with the clinician's or care business's specialty, rather than underwriting the policy itself. Product-page description of Harper's placement role for this line.company-reportedSource ↗
  • eligibility: Harper markets this line to clinicians and care businesses that need malpractice coverage for licensure or facility privileges, and it names tail coverage as a particular concern when a clinician leaves a practice or switches carriers. Product-page marketing copy; not an eligibility guarantee for a particular applicant or specialty.company-reportedSource ↗
  • coverage: Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. Product-page coverage summary; the issued policy and its exclusions control the actual terms.company-reportedSource ↗
  • coverage: Harper says most of the medical malpractice policies it places are claims-made, which makes the retroactive date and tail (extended reporting) coverage important when a clinician changes jobs, retires or switches carriers, and it also places entity coverage for the practice or facility itself, not only individual clinicians. FAQ and coverage-features text on the product page; actual trigger and tail terms depend on the specific policy.company-reportedSource ↗
  • limits: The reviewed medical malpractice page does not publish limit or retention amounts; it says cost and, implicitly, available terms depend on specialty, volume and claims history. Medical malpractice product page as read on 2026-09-23.not-disclosedSource ↗
  • services: Harper says it can issue certificates and quotes the same day for this line, and describes reaching both large carriers and specialty markets that write malpractice for a given specialty. Product-page service claims; not independently timed or confirmed for a particular request.company-reportedSource ↗
  • application: You apply for Harper medical malpractice coverage through an online quote form, and Harper says a specialist walks applicants through the occurrence-versus-claims-made and tail-coverage tradeoffs before they commit. Quote form and FAQ observed on the product page.company-reportedSource ↗

Mylo

  • role: Mylo brokers medical malpractice insurance, describing it as professional liability insurance for medical professionals, by comparing quotes from multiple carriers rather than underwriting the policy itself. Medical malpractice product page.company-reportedSource ↗
  • coverage: Mylo says the policy helps defend against lawsuits over medical services, including incorrect diagnosis, failure to diagnose, prescribing the wrong drug or dosage, and treatment or surgical errors. Medical malpractice product page; the issued policy and its exclusions control.company-reportedSource ↗
  • coverage: Mylo offers claims-made policies (covering a claim only if the policy was active for both the treatment and the lawsuit filing) and occurrence policies (covering a claim if the policy was active when the treatment occurred, even if lapsed by the time of the lawsuit), plus optional tail coverage to extend reporting after a claims-made policy ends. Medical malpractice product page coverage-types section.company-reportedSource ↗
  • coverage: Mylo says medical malpractice insurance does not cover cyberattacks or ransomware on its own, and that it can add cyber liability coverage for network rebuilding, patient notification, credit monitoring, crisis management and regulatory fines. Medical malpractice product page "What about lawsuits from data breaches?" section; a distinct add-on coverage, not part of the base malpractice policy.company-reportedSource ↗
  • eligibility: Mylo customizes the policy to the buyer's medical specialty and says coverage can be compared across a range of carriers for the buyer's practice. Medical malpractice product page.company-reportedSource ↗
  • insurer: The medical malpractice product page does not name the insurer that would issue a given practice's policy. Checked the medical malpractice product page on 2026-09-23.not-disclosedSource ↗
  • limits: The medical malpractice product page does not publish specific coverage limits or premium ranges. Checked the medical malpractice product page on 2026-09-23.not-disclosedSource ↗

Harper suits clinicians and practices that want board-complaint defense and entity cover placed quickly, mostly on claims-made forms; Mylo suits buyers who want to compare carriers on claims-made versus occurrence and add cyber for ransomware and patient-data incidents.

Sources reviewed

  1. 01
    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

  2. 02
    Medical Malpractice Insurance

    Harper · Product hero; Know your coverage: What is Medical Malpractice insurance?; Professional liability for care, License defense, Tail and prior acts, Entity coverage; Why Harper; FAQ: Occurrence or claims-made?, Does it cover board complaints?, What does it cost? · accessed 2026-09-23

  3. 03
    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

  4. 04
    Medical Malpractice Insurance

    Mylo · Protect your healthy reputation with medical malpractice insurance; What types of coverage are available? (claims-made, occurrence, tail coverage); What about lawsuits from data breaches?; Medical malpractice insurance FAQs · accessed 2026-09-23

  5. 05
    Medical Malpractice Insurance

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

  6. 06
    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

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