Medical Professional Liability Insurance
Idaho Falls, Idaho Falls - Alta Insurance, Kaysville, Rexburg, Rigby, Twin Falls - Alta Insurance
Protect yourself with a medical professional liability insurance policy from Archibald Insurance Center.

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Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.
What You Need to Know About Medical Professional Liability Insurance
As a medical professional, you are legally responsible for correctly and accurately diagnosing, treating, and caring for your patients.
You are good at what you do, but it’s important to keep yourself safe in the event something goes wrong.
Protect yourself with a medical professional liability insurance policy from Archibald Insurance Center.
What is medical professional liability?
You may have heard other names for this type of insurance such as medical liability insurance, malpractice insurance, and medical malpractice insurance. Regardless of what term used, medical malpractice insurance provides a second line of defense if you are faced with a malpractice lawsuit.
You can tailor a policy to fit your unique needs. Some coverage options include the following:
- Misdiagnosis
- Surgical errors
- Medication errors
- Childbirth-related injuries
- Anesthesia administration errors
- Settlement costs
- Punitive and compensatory damages
- Attorney and court costs
- Arbitration
Who needs malpractice insurance?
Medical malpractice insurance is essential for anyone who provides healthcare services. However, there are a few nuances to keep in mind.
- You may be covered under your employer. However, this coverage will have limitations, so make sure to find out what these limitations are from your local Archibald Insurance Center insurance agent. It may be a good idea for you to have a policy separate from your employer.
- If you are a medical professional employed by the U.S. government, you do not need a malpractice policy. You are insured against liability claims by the federal government.
- If you are an independent contractor, you need medical liability insurance. It is unlikely you are covered by your employer, and you need coverage to keep yourself safe.
Additionally, it’s not just physicians and surgeons who need medical liability insurance. Other medical professionals can benefit from coverage, including:
- Social workers
- Therapists
- Counselors
- Physical therapists
- Pharmacists
- Nurses
- Dentists
- Radiologists
Is medical malpractice insurance required near you?
There isn’t an easy answer to this question because medical professional liability insurance requirements vary from state to state.
Malpractice insurance is required in these states:
The following states have claim-assistance programs requiring you to have a minimum amount of malpractice insurance coverage to participate:
What does medical liability insurance look like?
As a specialized medical professional, you have unique needs, and what works for one person may not work for you. Fortunately, not every medical liability insurance policy looks the same.
Claims-made and occurrence policies are the two most common coverage options. While both give you a second line of defense, they have key differences.
- Claims-made policies only cover a claim if both the treatment occurred and the lawsuit was filed while the policy was active.
- Occurrence policies will cover claims that take place during the coverage period, even if the treatment did not occur during the active policy.
Medical liability insurance providers also come in a few different forms:
- Traditional private insurer (ex. Allstate, Liberty Mutual, Travelers, etc.)
- Medical risk retention group (RRG). RRGs are insurance organizations collectively owned by the medical professionals they serve.
- Coverage under employer’s policy.
Key considerations for practice owners
If you employ other medical professionals, you should consider maintaining a vicarious liability insurance policy. This coverage can protect your practice against any actions or omissions of your employees.
You are liable for any damages caused by violations of HIPAA laws. However, these damages are not covered by medical malpractice insurance. You can read more about protecting your practice from cybercrime, one of the top risks leading to HIPPA violations.
As professionals in the field of medical insurance, we make it our business to know you and your concerns. We spend time learning and listening to better serve you, our clients.
You’ve worked hard to build your practice. The next step is to protect it. We’ll assess what your risks are and help you tailor an insurance policy for your business.
We’d love to chat with you. Contact your Archibald Insurance Center malpractice insurance agent near you today!
Frequently Asked Questions
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How can I lower my commercial property insurance premiums?
You can lower your premiums by improving security measures, such as installing security systems, fire alarms, and sprinklers. Additionally, regularly reviewing your policy and comparing quotes can help you find cost-effective options.
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Are floods and earthquakes covered under standard commercial property insurance?
No, floods and earthquakes are typically not covered under standard commercial property insurance. Separate policies are available for these types of coverage.
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What does commercial property insurance typically cover?
Commercial property insurance typically covers damage or loss due to fire, theft, vandalism, natural disasters, and more. It includes buildings, equipment, inventory, and outdoor signs.
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What risks does rafting insurance cover?
Every rafting insurance policy is unique, meaning every policy premium will also be unique. Because there’s so much variation between rafting businesses, there’s no precise estimate for your premium. However, we can tell you what factors may influence how much you pay.
- Your business’s location
- Claims history
- Size of your operation
- Number of employees
- Your chosen deductible
- Amount of coverage you choose
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What risks does rafting insurance cover?
Even if your guests have signed a waiver, you risk a lawsuit or liability claim if something goes wrong on your excursions. We provide coverage solutions for a variety of exposures faced by white water rafting outfitters and guides, including:
- Equipment rentals
- Guided water trips
- Office/facility for rental purchases and instruction
- Equipment storage areas
- Transportation to and from the water
- Food and beverage concessions
- Instruction
- Camping
- Hiking
- Retail sales
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What type of rafting insurance do I need?
The exact coverage you need will vary based on your business’s operations. However, some types of insurance can benefit almost every rafting business.
- General Liability – Protects your company against bodily injuries, property damage, product damage, and more.
- Commercial Auto – Even if you use a personal vehicle for work, a personal auto insurance policy doesn’t cover the car while it’s used for work purposes.
- Watercraft and Boat Liability – Can cover costs for boat repair or replacement, damage to someone else’s property, and medical bills when people are injured.
- Retail Property Coverage – Offers commercial structures, business personal property, and machinery protection.
- Inland Marine Equipment Coverage – You can protect stored equipment in an off-site location and any equipment you’re transporting.
- Workers Compensation – If any employees are injured or become ill on the job, this insurance can cover the payment of their medical expenses, lost wages, and rehabilitation costs.
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Do I need rafting outfitter and guide insurance?
Do you rent rafts or give rafting lessons? Do you guide clients across waterways or downriver? Or are you hosting a special event that includes rafting? If yes, you should consider purchasing a rafting insurance policy.
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What is food manufacturing insurance?
Food manufacturing insurance covers a wide range of policies available to help protect against the risks faced by food and beverage manufacturers and bakeries. There isn't a single bakery insurance policy that covers your entire range of risks instead, policies are tailored to fit the specific needs of your company! Your business is unique, which means your insurance needs to be unique as well. There are coverage options for every type of food manufacturer or processor you can imagine. Some examples include:
- Commercial Bakeries
- Dairy Processors
- Grain Millers
- Meat Processors
- Nut Hullers
- Pasta Manufacturers
- Poultry Processors
- Frozen Food Manufacturers
- Breweries
- Confectionaries
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What is farm and ranch liability coverage?
Farm liability coverage is different from general liability coverage, even though they sound very similar. General liability is just that general. Farm liability can be broken down further into more specific coverages. Here are a few types of specific liability policies available for different agricultural industries.
- Farmers Market/Roadside Stand
- Agritourism/Agritainment
- Equine Operations
- Farm & Agricultural Pollution
- Seedmen's Error & Omissions
- Liquor Liability
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Who needs family fun center insurance?
Every family entertainment center can benefit from a customized insurance policy. If you're wondering whether your business qualifies as a family fun center, the following definition may help. Family fun centers are businesses with games, devices, and attractions designed and manufactured only for the bona fide amusement purposes of the general public. Some examples of businesses and operations covered by family fun center insurance include:
- Trampoline Parks
- Obstacle Courses
- Bowling Alleys
- Ice Skating Rinks
- Roller Skating Rinks
- Miniature Golf
- Batting Cages
- Go-Kart Facilities
- Outdoor Driving Ranges
- Ride Simulators
- Escape Rooms
- Indoor Laser Tag
- Arcades
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What does professional liability insurance look like?
Not every professional liability insurance policy looks the same. Claims-made and occurrence policies are the two most common coverage options. While both give you a second line of defense, they have fundamental differences.
- Claims-made policies only cover a claim if both the service or advice was provided and the lawsuit was filed while the policy was active.
- Occurrence policies will cover claims that take place during the coverage period, even if the treatment did not occur during the active policy.
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What does family entertainment center insurance cover?
Family entertainment center insurance policies generally cover the same things.
- General Liability
- Commercial Property
- Commercial Auto
- Workers Compensation
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What does dude ranch insurance cover?
Guest ranch insurance policies generally cover the same things.
- General Liability
- Commercial Property
- Mobile Equipment Coverage
- Commercial Auto
- Crime Coverage
- Workers Compensation
- Abuse and Molestation
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What is captive insurance?
A captive insurer offers insurance policies created explicitly for a specific industry by a specific industry. Captive insurance is unique because the companies are entirely owned and operated by the insureds.
Captive insurance agencies are organized and used by insureds when the standard products offered by traditional insurance companies don't meet the risk financing needs of the insureds. While it can be a good alternative insurance option, there are a couple of things to keep in mind.
- Those who participate in captive insurance put their own capital at risk
- Captive insurance works outside of the commercial insurance marketplace
Advantages of captive insurance
- Coverage is often tailored to the exact needs of an industry.
- Well-established captive insurers have a greater ability to retain risk and protect against rapid fluctuations occurring in the commercial market.
- Participants have ownership of the company and have a say in business services and decisions.
- You don't have to pay an overhead covering a commercial insurer's acquisition costs, admin, overhead, and profit.
- Improve cash flow through reduced insurance costs, insulation from market fluctuations, and more time available for you to spend focused on your business.
- Insurance programs and policies can be customizable.
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What does a BOP cover?
A BOP might be an excellent insurance solutions for your small business because it allows you to get several critical policies within one place. Most offer:
- Property & Contents Insurance
- General Liability Insurance
- Business Interruption Insurance
- Cyber liability insurance
- EPLI coverage
- professional liability (E&O) coverage
- D&O coverage
Let your agent help you decide the right way to obtain this additional coverage.
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What insurance do bakeries and food processors need?
The exact coverage you decide on will vary based on your business's needs and risks. However, a few types of food manufacturing and bakery insurance coverage we recommend including the following:
- General Liability
- Commercial Property
- Bakery Manufacturing Insurance
- Bakery Equipment
- Equipment Breakdown
- Spoilage Coverage
- Workers Compensation
- Commercial Auto
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How much will haunted house insurance cost?
The best way to answer this question is, It depends. Your premium will depend on how much risk you're willing to carry, combined with factors that determine how much risk your haunted house faces. Some of these risk-determining factors include:
- How many attendees your haunted house has per day.
- Estimated gross sales receipts.
- Payroll.
- Whether your haunted attraction is indoors, outdoors, or a combination of the two.
- Staff and volunteers trained in first aid.
- Location of the closest medical facility.
- Number and type of special effects that are used throughout the haunt.
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What does medical liability insurance look like?
Claims-made and occurrence policies are the two most common coverage options. While both give you a second line of defense, they have key differences.
Claims-made policies only cover a claim if both the treatment occurred and the lawsuit was filed while the policy was active.
Occurrence policies will cover claims that take place during the coverage period, even if the treatment did not occur during the active policy.
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What does haunted house insurance cover?
You can buy many types of haunt insurance, but what's included in your policy depends on what you need. Not every haunted house is the same, and your insurance is the same way.
- General Liability
- Commercial Property
- Inland Marine
- Commercial Auto
- Workers Compensation
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How much does hospitality insurance cost?
Unfortunately, there's no single estimate. You run a unique business with lots of different factors affecting your premiums. These factors include:
- Your business's location
- Additional services and activities offered
- Square footage of your hospitality business
- Presence of a pool
- The type of food and drink you serve
- How long your business has existed
- Your hours of operation
- The age of your building
- Number of employees
- Type of fire and security systems