A doctor in a white coat with a stethoscope around their neck is holding and looking at a smartphone.

Medical Malpractice

Professional Liability for Healthcare Providers

Coverage for the services and procedures you preform

Simple Application

Other Types of Policies for Healthcare Professionals

  • Modern lounge area with green and yellow chairs and sofas, potted plants, and ceiling lights

    Property and General Liability

    BOPs cover Business Personal Property and General Liability

  • Wooden gavel lying on its side on a white surface, casting a shadow.

    Employment Practices (EPLI)

    For when a terminated employees sues for discrimination

  • A healthcare professional in surgical attire, including a green surgical cap, blue mask, and purple scrubs, operating in an operating room with a surgical light overhead.

    Workers' Compensation

    For when an employee is hurt on the job

Initial Application

Here’s a few things to know about Profession Liability coverage:

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  • Also known as a retroactive date, is simply how far back in your policy is willing to cover. With few exceptions, this feature is unique to E&O policies.

    Example - If your policy is effective 1/1/2024 with a retroactive date of 1/1/1999, your policy will cover a claim that occurred 1/3/2005.

    Usually, the older the retroactive date, the higher the premium.

  • All businesses are at risk of error. This policy indemnifies against such expenses.

    If you provide your client with bad advice, and are sued, this policy will cover your legal fees up to the policy limits.

    For some industries, this policy is required.

  • It covers claims for breach of contract, failure to complete tasks, and disappointment of services. You can imagen how important this coverage would be for doctors and lawyers.

  • The underwriting will determine cost according to how risky you seem to them. The following is a list for you to reference.

    Where is you business located?

    What is your annual revenue?

    How long have you been in business?

    How many years of experience do you have.

    What are your preferred limit of insurance?

    What is your preferred deductible?

    How may employees do you have?

    In our experience, the biggest factors are 1)what are your limits of insurance 2) What is your annual revenue, and 3) what is your line of business.

Our clients like us, a lot!

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    “I really appreciate you getting these quotes so quickly. ”

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    “You rock! I’m referring you to my colleagues.”

  • Psychologist

    “You found me a better policy, and much faster than my last broker.”

There’s lots to love about Erazo Insurance Services

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    Your broker will always be your point-of-contact.

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    We shop for you year after year.

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    We are easy to get ahold of. Just call, text, or email.

Meet the Team