What Are the Key Differences Between HUB International and Mylo Medical Malpractice Insurance?
Tail Cover When You Stop Practicing
Tail cover keeps a claims-made policy responding after it ends, and it can be expensive. HUB says its placements include complimentary tail under a death, disability and retirement benefit once you've held continuous coverage with the same carrier for two to five years. Mylo offers tail only as an optional purchase and doesn't mention a free version. HUB also arranges convertible claims-made forms alongside occurrence and claims-made; Mylo explains the latter two. Choose HUB if you expect to stay put and retire on the policy; choose Mylo if you may change carriers and want quotes side by side. [2] [4]
Telehealth and Data Incidents
HUB includes telemedicine liability that addresses privacy breaches and technology errors. Mylo warns that malpractice alone won't cover ransomware and sells cyber liability as an add-on for network rebuilding, patient notification, credit monitoring, crisis management and regulatory fines. If you see patients remotely, HUB's wording is closer to built in; if you hold patient records, Mylo is clearer about the gap. [2] [4]
Who Each Brokerage Names as a Fit
HUB names physicians, PAs, nurse practitioners, nurses, CRNAs, physical therapists, personal trainers, optometrists and dentists, and routes you to a broker rather than an online quote. Mylo tailors quotes to your specialty without publishing a roster. [2] [4]