Malpractice Insurance2019-07-26T09:14:57-04:00

Malpractice Insurance

If you are a doctor or a health professional, Malpractice Insurance is necessary to protect you from claims of injury to patients due to alleged negligence

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What is Malpractice Insurance?

It is a type of professional liability insurance that protects doctors and other health professionals against alleged negligence that lead to patient injuries. Canadian physicians, whether they practice privately or with a hospital, are required to have medical liability insurance.

The Massachusetts General Hospital Department of Medicine concluded in a study that most doctors will require malpractice insurance at some point in their career.

What does Medical Malpractice Liability Insurance cover?

These are the common types of negligence claims that are covered:
  1. Failure to attend a patient
  2. Failures in diagnosis
  3. Failures in referral or consultation
  4. Failure to communicate with other physicians
  5. Failure to protect or warn third parties
  6. Substandard treatment

What is not covered?

It is important to be aware of the exclusions in medical liability insurance coverage. They are generally:
  1. Injuries from the use of autos, which includes loading or unloading of patients
  2. Intentional negligence when engaging in professional duties
  3. Claims related to incorrect prescription and dosage
  4. Unnecessary surgery or operating on the wrong body part

What are the different types of Medical Malpractice Insurance?

  1. Claims-made insurance
  2. Occurrence policies
  3. Claims-paid policies
  4. Errors and omissions

How much does malpractice insurance cost?

The malpractice insurance cost for every health professional will vary depending on the type of practice they engage in. Some types of physicians and practitioners are more likely to face claims than others. Here are some practitioners that face the most claims:
  • Surgeons
  • Orthopaedics
  • Radiologists
  • Anesthesiologists

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Which professions require Malpractice Insurance?

Professionals who benefit from the coverage:

  • Masseurs

  • Psychologists

  • Psychiatrists

  • Counsellors

  • Dieticians

  • Pharmacists

  • Paramedics

  • Pathologists

  • Care Providers

  • Occupational Therapists

  • Health and Wellness Centers

  • Tanning Salons

  • Weight Loss Clinics

  • Skin Clinics

  • Spas

  • Plastic Surgeons

  • Physiotherapists

  • Independent Health Professionals

Common scenarios where Malpractice Insurance is useful:


A radiologist misreads an X-ray, leading to misdiagnosis – patient decides to sue.

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A physiotherapist recommends a shoulder treatment routine that causes further injury to a patient.

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A dentist does not fully take into consideration his patient’s complains and remarks, leading to misdiagnosis

Frequently Asked Questions about
Malpractice Insurance

What is the difference between personal injury and medical negligence (medical malpractice)?2019-06-04T16:03:12-04:00

Medical negligence (injuries from medical malpractice) is a form of personal injury. Personal injury claims deal with a wide variety of areas where the claimant suffers an injury through no fault of their own, for example, dog bites and slip and falls. Medical negligence (or malpractice) claims only concern mistakes or carelessness carried out by medical professionals. Medical malpractice claims tend to be a lot more complex and thoroughly analyzed too.

What is the difference between malpractice insurance and professional liability insurance?2019-06-04T16:04:35-04:00

Malpractice insurance is a type of professional liability insurance that protects medical practitioners from errors caused by negligence in their service. Most medical practitioners are sued at one point or another in their career. Malpractice insurance is curated to cover the common risks that most doctors and other medical practitioners are likely to face.

What is classified as medical malpractice (or medical negligence)?2019-06-03T13:20:08-04:00

Medical negligence refers to a breach of duty by a health professional that results in harm and loss to a client or patient. Negligence can take several different forms, including but not limited to misdiagnosis, incorrect treatment, delay in providing treatment, mistakes in surgery, etc.

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The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.


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