Medical Professional Liability for Physicians and Surgeons

Managed by seasoned insurance underwriters experienced in serving the medical professional community, Hallmark Pro takes pride in exceptional service before and after a policy is issued. Our streamlined business model ensures that submissions will be handled promptly, and our goal is to be the first market to offer terms on any complete submission.

We can quickly review your submission and indicate based off of qualified competitor applications – offering our broker partners quick market access on eligible risks.  Formal quotes and binding requests require the completion of a Hallmark application.

Coverage is written on a surplus lines basis in all states where the program is available.

State Eligibility:

Medical Professional Liability coverage is currently available in 43 states and the District of Columbia.*

* Program not currently available in the following states: Kansas, Louisiana, Nebraska, New York, Pennsylvania, South Carolina and Wisconsin.

Target Risks:

  • Individual Physicians and Surgeons in Private Practice, including Osteopaths, Podiatrists and Oral/Maxillofacial Surgeons
  • Small to Large Physician Groups
  • All Medical Specialties considered
  • Carve-out Exposures excluded by Other Carriers
  • Hard-to-place Risks
  • Emerging Healthcare Services, such as:
    • Concierge Medicine
    • Aesthetic Medicine
    • Hospitalists
    • Medical Marijuana as permitted by law
  • Technology-enabled Practices

Claims Management Services:

Provided by Hamlin & Burton Liability Management, Inc., an industry leader in claim management services, specializing in claim and litigation management for physicians and medical facilities.

Coverage Highlights & Options:

  • Form: Written demand or optional incident-sensitive endorsement.
  • Limits of Liability: Up to $1/$3 million limits available for most risks; higher limits available in Virginia, Connecticut and Massachusetts.
  • Territory: Worldwide coverage, provided any claim is brought in the United States, its territories and possessions, Puerto Rico or Canada.
  • Deductible: Optional indemnity-only and non-eroding deductibles available to many risks. Deductible credits available at underwriter's discretion.
  • Defense Costs: Expenses included within the Limits of Liability. Optional expenses outside the limit available for approved risks.
  • Prior Acts Coverage: Available for risks with acceptable, verifiable loss history and no coverage gaps during the prior acts period.
  • Consent to Settle Provision: For selected risks, option to retain  consent to settle privilege with no hammer clause.
  • Tail Options: Policy offers 12 month extended reporting period. Full complement of options for extended reporting coverage available for approved risks, including free tail in cases of Death, Disability and Retirement.
  • Locum Tenens: Up to 30 days coverage available at no additional cost.
  • Part-Time Coverage: Premium credit available for physicians with limited practice hours and patient count.
  • Medical Board, HIPAA and EPLI Defense Cost Reimbursement Coverage: Available for qualified risks.

All coverage is subject to the policy terms and conditions.  Optional coverage enhancements may be offered for an additional premium and are subject to underwriter approval.