What Are the Key Differences Between HUB International and Liberty Mutual Medical Malpractice Insurance?
Policy trigger and extended reporting
HUB says it arranges occurrence, claims-made and convertible claims-made malpractice policies. Its page also describes complimentary tail coverage under a death, disability and retirement benefit after two to five years of continuous coverage with the same carrier. Liberty Mutual identifies distinct hospital, outpatient and physician-group solutions, but its reviewed material does not specify these triggers or a tail benefit. A practitioner comparing proposals should check when an incident must occur and when a claim must be reported. [2] [3]
Telemedicine and insured practitioners
HUB lists a range of practitioners and says its coverage includes telemedicine liability for privacy breaches and technology errors. Liberty Mutual’s named audiences include healthcare organizations, outpatient providers, hospitals and physician groups, with professional terms varying by program. These descriptions do not establish matching telemedicine coverage or whether every practitioner is insured. The quote and endorsements should identify virtual services, privacy events, each clinician role and any entity coverage. [2] [3]
What Should You Confirm in HUB International and Liberty Mutual Medical Malpractice Insurance Quotes?
- Ask HUB what continuity period and conditions apply to the DDR tail benefit and whether telemedicine is covered by the selected form.
- Ask Liberty Mutual for the policy trigger, reporting extension and telehealth wording applicable to your program.