Buy Medical Malpractice Insurance -

The two primary types of coverage differ in how and when a claim is triggered:

To find a quality policy without overpaying, consider these factors: buy medical malpractice insurance

Buying (professional liability insurance) is a critical step for healthcare professionals to protect against legal claims arising from patient injury or death. While many employed providers are covered by their hospitals, those in private practice, moonlighting, or doing locum tenens work must purchase their own coverage. Types of Malpractice Insurance Policies The two primary types of coverage differ in

: These only cover claims that are both made and reported while the policy is active. Premiums are typically lower initially but increase as the policy "matures". Premiums are typically lower initially but increase as

: If you leave a claims-made policy, you must purchase an Extended Reporting Endorsement (tail coverage) to protect against future claims from past incidents. Key Considerations When Buying

: These cover any incident that occurs during the policy period, regardless of when the claim is filed—even if it is years after the policy has expired. These are often more expensive initially but do not require "tail" coverage.