Medical Malpractice Insurance
Whether you work in a clinical or non-clinical setting, Medical Malpractice Insurance is critical to your business’s well-being.
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Trusted by over 300,000 Canadian small business owners!
Save up to 35% on your insurance
Instant price and coverage in just a few clicks!
Partnerships with over 50 leading Canadian insurance providers
Partnerships with over 50 leading Canadian insurance providers
Why Choose Zensurance?
We help Canadian small business owners save time and money by providing
a convenient and affordable way to buy business insurance.
Convenience
Purchase your insurance anytime, anywhere, with our easy-to-use online platform.
Cost
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Curation
We use data and analytics to identify the right insurance policies for your business.
Claims Examples
Problem: During a busy shift, you accidentally mislabel and administer the wrong prescription to a patient who suffers a severe reaction to the medication.
Outcome: Your patient sues you for negligence. Your Malpractice Insurance covers the legal expenses and medical fees, totaling $50,000.
Problem: When reviewing your client’s health history, you fail to notice an injury that may be aggravated by the treatment you recommend. The patient proceeds with the treatment, exacerbating the old wound.
Outcome: The client sues you for neglect. Your Malpractice Insurance covers the medical expenses and legal fees, totaling $47,000.
Problem: After a physiotherapy session, a patient accuses your employee of touching them inappropriately.
Outcome: You patient names your practice in a lawsuit, citing emotional distress. Your Malpractice Insurance covers the legal expenses and monetary judgment, totaling $102,000.
Malpractice Insurance, Explained.
What is Medical Malpractice Insurance?
Medical Malpractice Insurance is a specialized professional liability policy that provides financial protection for medical professionals against claims or lawsuits related to their professional activities, such as allegations of misconduct, negligence, errors and omissions, and equipment or treatment-related injuries.
What does Malpractice Insurance cover?
Medical Malpractice Insurance includes coverage for legal costs, financial loss and damages related to the following coverage areas:
- Professional Services
- Treatment-Related Injuries
- Failure to Monitor
- Failure to Inform
- Failure to Communicate
- Substandard Treatment
What is the cost of Medical Malpractice Insurance?
The cost of Malpractice Insurance will vary based on your profession and the services you offer.
The following factors are typically taken into consideration when determining the cost of your premium:
- Profession and Services Offered
- Training and Experience
- Number of Employees
- Annual and Projected Revenue
Who needs Malpractice Insurance?
Any medical practitioner offering professional healthcare services to the public, including consultations, advice, and prescribing, should consider Malpractice Insurance.
Malpractice Insurance is required to practice by most health professions (e.g., physicians, therapists, etc.) and medical associations/colleges.
What is not covered by Malpractice Insurance?
Malpractice Insurance does not typically provide coverage for:
- Contractual liability;
- Intentional criminal acts;
- Criminal, dishonest, or fraudulent acts (you need Crime Insurance);
- Cost guarantees or price estimates;
- Sexual misconduct; or,
- Falsification or alteration of medical records.
What are the two types of Malpractice Insurance?
There are two basic types of Malpractice Insurance: occurrence and claims-made. An occurrence-based policy will cover incidents that occur within the policy period, regardless of when you file the claim.
A claims-made policy will cover incidents that occur during the policy period so long as the claim is made within the policy period. These policies typically include a ‘tail coverage’ or extended coverage periods. Speak to your broker to determine which option is better for you.
Which professions require Malpractice Insurance?
Frequently Asked Questions
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.
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.
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.
Other business insurance coverage options to consider:
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- Angela Grigg was awesome to work with. the process was very smooth and clear. Thanks for your helpHalyna Uvarova7/24/2024Had a great experience working with Julianne Katz as she walked me through the different insurance options and what they mean! I highly recommend their service.Sam Gabrail7/24/2024Staff are extremely helpful and attentive. They are very quick with their response time and turnaround time. I would highly recommend Zensurance to anyone!Tyson Buchannon7/23/2024
- Good service , I renewed my policy for the 3rd time, the zensurance team helped me to get the best option on the market that will suits my companyVladimir Perciun7/23/2024Bernard was very professional and helped us through the processMohd Adnan Khan7/23/2024Very helpful and reasonable rates. Bernard Albano worked with me to find the right insurance policy for my business and he reached out to be sure I had answers to all my questions. I would recommend Bernard and Zen insurance.Rachel Kruyf7/22/2024
- Received great service and all questions answered quickly. Happy customer!AL DL7/21/2024No complaints, and very good service. Thank you Zensurance!Ryan C Starling7/19/2024Very responsive and responsible. Highly recommended!Anđela Nikolić7/19/2024
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