--- title: Medical Malpractice Insurance | Ethos Insurance Partners description: Stressed agents make mistakes. Get the relief you need to best serve your medical malpractice and liability insurance clients. --- [Skip to main content](https://www.ethosinsurance.com/services/medical-malpractice-insurance#maincontent) # Medical Malpractice & Professional Liability Insurance for Healthcare Providers and Facilities Professional liability insurance for providers, staff, and their facilities. [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) It’s too risky ## Working with the wrong wholesaler can hurt your business. Medical malpractice is one of the trickiest and most complicated lines of professional liability coverage to place.  You nor anyone else can afford even the slightest hiccup in getting your client insured properly. Anyone but a solely focused healthcare professional liability expert and specialist leaves you prone to... ![](https://www.ethosinsurance.com/hubfs/assets/icons/orange-x.svg) ### Increased E&O exposure ![](https://www.ethosinsurance.com/hubfs/assets/icons/orange-x.svg) ### Quotes with inferior coverage options ![orange-x](https://www.ethosinsurance.com/hubfs/assets/icons/orange-x.svg) ### Losing your clients to your competition [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) ![ dishonest healthcare professional liability wholesaler crossing his fingers as he knowingly does wrong to his agent.](https://www.ethosinsurance.com/hs-fs/hubfs/Stakes%20simple%20image%20%5Bright%5D.png?width=643&height=617&name=Stakes%20simple%20image%20%5Bright%5D.png) Stop Paying Just for Access ## Wholesalers should reduce your burden. Your focus ought to be your insured, not the carrier and not your wholesaler. If your wholesaler is merely an access point to carriers, it's time for a new wholesaler. Market access alone isn't worth constant headaches.  [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) ![A white pillar as an icon](https://www.ethosinsurance.com/hs-fs/hubfs/pillar%20white.png?width=500&name=pillar%20white.png) ### Reduce Anxiety Rest easy knowing that you'll be the hero in your insured’s eyes after securing them the best policy possible. ![A white pillar as an icon](https://www.ethosinsurance.com/hs-fs/hubfs/pillar%20white.png?width=500&name=pillar%20white.png) ### Reduce Workload A good wholesaler reduces your busywork so that you can focus on the tasks that only you can do. ![A white pillar as an icon](https://www.ethosinsurance.com/hs-fs/hubfs/pillar%20white.png?width=500&name=pillar%20white.png) ### More Time When your wholesaler does their job right they create more time for you to do yours. Medical Malpractice & More ## Matching your insured with the insurance they need Don't waste time with wholesalers who can't place your business properly. If you find a match here it's because you've found an aging and adult services expert who can help place your accounts. ### Providers - Doctors, dentists, surgeons, nurses, therapists, and more - Individuals and groups - Non-standard and standard - Telemedicine - Stand-alone tail policies - Medical directors ### In-patient Facilities - Hospitals - Rehab facilities - Hospice - Mental health - Etc. ### Outpatient Facilities - Clinics - Urgent care - Community health centers (FTCA) - Imaging centers - Surgery centers - Etc. ### Miscellaneous - Correctional medicine - Medical staffing - Ambulances (air and ground) - Training institutions - Consulting and billing Lines of Coverage ## What coverage does your client need? Why waste time on an exploratory phone call? If you see a line listed here, you know you’ve found a wholesaler who can help you identify the exact coverage your insured needs.  - Medical Malpractice - Professional Liability - General Liability - Excess & Umbrella - Stand-Alone ERP/Tail - Medical Billing E&O - [Directors & Officers](https://www.ethosinsurance.com/do-sell-sheet) - [Employment Practices](https://www.ethosinsurance.com/epl-sell-sheet) - Cyber Liability - Non-Owned Auto [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) ![A large group of smiling doctors and providers standing outside of a medical facility. ](https://www.ethosinsurance.com/hs-fs/hubfs/line%20of%20coverage-1.png?width=877&height=774&name=line%20of%20coverage-1.png) Where Are the Opportunities in Healthcare Professional Liability? ## Download the Guide That Helps You Navigate the 5 Major Segments of Healthcare Liability Every healthcare segment has its own set of challenges and opportunities. Retail agents who understand these nuances can more effectively place risks, support their insureds, and grow their books of business. *The 5 Worlds of Healthcare Professional Liability* is designed to give you that edge. It provides clear insight into each of the five core markets shaping HPL today and helps you identify where your next opportunity may arise. - **Gain a deeper understanding of five core segments that define HPL exposures.** - **Identify where the next opportunities lie as the healthcare industry evolves.** - **See how Ethos’ healthcare-specific expertise helps transform challenges into growth.** This brochure is designed for retail agents ready to deepen their expertise in healthcare professional liability. Fill out the form to access *The 5 Worlds of Healthcare Professional Liability* and take the next step toward smarter, more confident placements. [Download Now](https://55a52.share-na2.hsforms.com/2ZBfFx0T9QdWEalkkQfAfRQ) [Book a Meeting](https://www.ethosinsurance.com/talk-to-us) Fast. Easy. Right. ## A simple and effective plan makes all the difference Aiding your clients while growing your business is hard enough work as it is. Your wholesaler shouldn't add to your burden, which is why Ethos developed Fast-Easy-Right. ![Step 1](https://www.ethosinsurance.com/hubfs/assets/icons/periwinkle-1-step.svg) ### Fast Within two business days of a completed submission, your personalized team of experts will send your first marketing summary. ![Step 3](https://www.ethosinsurance.com/hubfs/assets/icons/periwinkle-2-step.svg) ### Easy Receive regular communication including marketing summaries, carrier proposals, and consultative information. ![Step 3](https://www.ethosinsurance.com/hubfs/assets/icons/periwinkle-3-step.svg) ### Right You and your insured experience the smoothest and most accurate healthcare professional liability placement you’ve had to date. [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) [Our Process](https://www.ethosinsurance.com/our-process) Providers and Facilities ## Frequently Asked Questions Here are a few of the most commonly asked questions that we get about insuring providers and facilities. ### How do I get the correct application? While we're working on a self-service tool to help you select the best application for your particular opportunity, we invite you to contact us directly and an Ethos team member will happily help you find the correct application. ### What information is required for a submission? Every submission should include an application and no fewer than 5 years of loss/claims history (aka: loss runs). There are many specialized applications or supplemental applications that address the particular details of certain classes of business. Additional info may also be necessary to complete a submission: CVs (Curriculum Vitae); financials; copies of contracts and licenses, to name a few. ### What is the exposure basis for a certain class of business? This can vary by carrier, but the guiding principle is that providers are rated based on their medical specialty. Medical facilities are rated on one or more countable metrics of performance, such as the number of surgeries, outpatient visits, or patient encounters. Of course, there are many other underwriting factors that can influence the rate or cost per policy. ### Do you handle all PCF filings? There are 8 states that utilize Patient Compensation Fund (PCF) laws: IN, KS, LA, PA, NE, NM, SC & WI. Each state’s PCF rules differ. Some PCF require mandatory participation, others are voluntary. Where allowed by law, Ethos can help to place your PCF-eligible policy and often assist with the PCF filings, too. ## Get the right medical malpractice and liability coverage for your providers and facilities clients Start with selecting the best professional liability wholesaler for your medical and healthcare professional liability needs. By the end of day you’ll have a 15-minute meeting time reserved where you will learn definitively how to best serve your insureds. [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us)