Telehealth conversation with doctor

Digital health professional liability

Protection for healthcare professionals who rely on digital services and technologies

Telehealth and telemedicine have become conventional parts of healthcare delivery. Digital services give patients better access to care and more convenience. On the provider side, they can help improve outcomes and lower costs.

But with these benefits come new risks. Technology failure, cybercrime, botched diagnoses, and communication issues are all potential exposure points for healthcare professionals. And with constant technological advances, healthcare organizations can only expect to rely more heavily on digital care.

Liberty can help, with an insurance solution that can protect each healthcare professional’s finances and reputation, in the case of legal action over an alleged error or delay in care or exposure of sensitive patient data.

A protective partnership

This solution is designed for healthcare and consultation delivered electronically, via video, as well as for virtual physical therapy, counseling, staffing, and home healthcare.

Key coverage highlights:

  • Claims made and occurrence coverage available
  • Primary policy limits $1M/$3M
  • Excess limits available up to $5M
  • Coverage includes:
    • Professional liability
    • Commercial general liability
    • Technology errors and omissions
  • Additional coverage available for:
    • Cyber liability
    • Products liability

Value-added risk-management services:

Customers can choose to allocate risk-management dollars toward risk-management products and services. While we don’t require customers to choose our vendors, we invite you to take advantage of our well-established relationships with leading healthcare risk-management professionals.

It takes more than teamwork to provide top-tier coverage and services; it takes specialized expertise – something we’re proud to bring to every customer relationship.

Our knowledgeable underwriters understand the unique liability exposures that professionals who rely on digital care services and technologies face. Depend on our expert team to develop creative solutions to meet your needs. We leverage the skills of dedicated healthcare liability claims specialists to help minimize litigation and control costs.

From program design to claims response, count on us for proactive service that keeps your risk-management goals top of mind.

Our healthcare liability claims management approach focuses on close partnership with customers, brokers, and defense counsel to deliver the best possible outcomes.

Through our investment in hiring and developing experienced claims staff, and a culture that promotes accountability, we are equipped to resolve claims efficiently and with each client’s best interests in mind.

Our clients also benefit from the following support and value-added services:

  • Consultation on post-incident remediation efforts to help minimize litigation
  • Recommendations on experts to provide testimony
  • Attendance at mediations, arbitrations, and trials to provide insight on litigation strategy and appropriate case settlement values
  • Active monitoring of national healthcare publications to track liability trends, judgments, and case settlements in all 50 states

Even with the most complex losses, we know how to streamline the claims process and minimize potential liability, helping to protect your facility’s reputation and bottom line.

Get in touch

Our commercial and specialty insurance products and services are distributed through brokers and agents. If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.

Basia Kula

Digital Health Product Manager

Related insights

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.