Medical malpractice
Cover for healthcare clinics and facilities
When treatment goes wrong, the claim reaches the clinic as well as the practitioner. Malpractice cover responds to that. Total Risk Managers looks at medical malpractice risks for healthcare clinics and facilities, for licensed brokers across Canada.
Clinics and facilities
Multi-practitioner operations as well as single locations
Entity and practitioners
The organisation and the people working in it
Broker only
Submissions reach us through a licensed broker
Appetite
What we look at
These are the operations to send us:
- Medical and walk-in clinics
- Diagnostic and treatment facilities
- Allied health and rehabilitation clinics
- Multi-practitioner facilities
- Employed and contracted practitioners
Regulated professions and their requirements vary by province. Send the details of the operation rather than assuming the answer either way.
How it works
How medical malpractice is usually insured
What applies to any one risk depends on the policy issued and the risk itself.
Claims-made basis
The policy in force when the claim is made responds, which makes continuity and retroactive dates central to this class.
The entity and the people
A clinic’s exposure is not covered by its practitioners’ individual policies alone; the organisation usually needs its own cover.
Defence costs
Allegations must be defended even when they fail, and defence can cost as much as an award.
Patient injury claims
Can respond to claims that treatment, diagnosis or care caused harm.
Contracted practitioners
Locums and contractors raise the question of whose policy responds, which is settled at placement rather than at claim time.
Changes in the practice
New services, new locations and departing practitioners all change the exposure and belong in the conversation.
Before you send
What to include in a medical malpractice submission
A submission that answers these upfront can be quoted without us coming back to ask.
The operation
Services provided, locations, hours, and how long established.
The people
Practitioners by discipline, employed versus contracted, and their licensure.
Volumes
Patient visits or procedures per year, and the split between services.
History
Claims, circumstances and regulatory complaints in the last five years, and what changed afterwards.
Current coverage
Limits, deductible, retroactive date and renewal date.
Common questions
Questions brokers ask about medical malpractice
Why does a clinic need its own policy if the practitioners are insured?
The entity is usually named in a claim alongside the individual; its corporate exposure, staff and systems are not covered by a practitioner’s personal policy.
What does claims-made mean in this class?
The policy at claim time responds; continuity and the retroactive date decide whether past treatment stays covered.
Are contracted practitioners and locums covered?
Whose policy responds is a placement question; list everyone who treats patients in the submission so it is settled upfront.
What happens when a practitioner leaves?
Under a claims-made form, claims can arrive after departure; how that tail is handled is part of the placement.
Who can approach Total Risk Managers about a malpractice risk?
Licensed insurance brokers; TRM is a Managing General Agent and works through brokers rather than dealing with the public.
Have a healthcare risk to place?
Email the details to submissions@totalriskmanagers.com and we will come back to you. Submissions are accepted from licensed insurance brokers.
This page describes coverage in general terms. Cover, limits and conditions vary by policy and by risk. Nothing here changes or replaces the wording of an issued policy. Coverage is arranged through a licensed insurance broker. If you are a broker, contact us. If you are not, please speak to your broker.