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Physician group practice liability

Protection for alleged medical errors and omissions

For physicians, providing high-quality care is paramount. Unfortunately, there are times when care does not go as planned — or is alleged to have not gone as planned. Without the right insurance solution, a single lawsuit can have devastating results for the individual provider and the practice.

Given the potential impact, physician practices need tailored protection. Our physician group practice liability solutions help protect physicians and their practices against legal, financial, and reputational risk arising from treatment decisions and actions.

A protective partnership

Solutions for complex risks

The business of healthcare delivery is evolving, creating significant exposures for physician group practices that are no longer adequately covered by traditional physician professional liability (PPL) products.

Our offering combines PPL and enterprise risk-management coverage in a single package to help protect the assets of the group.

Key coverage highlights:

  • Primary policy limits of $1M/$3M ($2M/$6M available upon request)
  • Excess limits available up to $10M
  • Claims-made coverage for groups of 10 or more physicians
  • Stand-alone “tail” coverage for physician groups
  • Alternative risk options, such as reinsurance and fronting for captives and loss portfolio transfers, are also available

Our coverage provides tailored protection that allows physicians to focus on the most important aspect of their work: providing quality care to patients.

Expertise that delivers

With one of the most experienced teams in the industry, we’ve built a finely tuned response to manage physician group liability risk.

You’ll benefit from knowledgeable underwriters with a robust understanding of loss trends and claim scenarios across different practice types. And we leverage the skills of dedicated healthcare liability claims specialists to help minimize litigation, control costs, and achieve better outcomes.

We combine this expertise with a customer-centric service approach that keeps your risk-management goals top of mind. When you work with us, you’ll benefit from teams who understand your industry and can tailor support to address your practice’s most complex exposures.

Better claims outcomes

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 insured’s best interests in mind.

Our physician group liability customers 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 practice’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.

Jonathan Starr

Vice President, IronHealth Group Practice, Ironshore

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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.