AllGuard Insurance Brokerage Inc

Malpractice Insurance

Coverage designed for professionals where a claim can impact your license and livelihood.

Professional ProtectionCoverage for service-related claims
Defense SupportHelp with covered legal costs
Tailored LimitsMatch employer/contract needs
Independent Brokerage Fast Quotes Personalized Coverage

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Quick help

Have a deadline, lender request, or need a certificate? We’ll help you move fast.

Have this handy:
  • Profession + services
  • Employer/contract requirements
  • Work locations
  • Claims history

What is Malpractice Insurance?

Malpractice insurance is a type of professional liability coverage designed for certain licensed professionals, helping with claims related to professional services.

What does it cover?

Malpractice coverage helps protect professionals from claims related to services, advice, or treatment (policy terms apply).

Alleged Errors in Professional Services

Core coverage

Helps cover claims that your professional actions caused harm or financial loss.

  • Defense costs and settlements (terms apply)
  • Coverage depends on profession and services
  • Limits should match risk exposure

Legal Defense

Critical

Helps pay legal costs associated with covered allegations, which can be expensive even without fault.

  • Attorney fees and court costs
  • Expert witnesses (varies)
  • Claims handling support

Consent to Settle / Reputation Options

Varies

Some policies offer options that impact how settlements are handled and supported.

  • Policy terms differ by carrier
  • Ask about consent clauses
  • Coverage add-ons may be available

Claims‑Made Structure

Important

Many professional policies are claims‑made—active coverage must be in place when a claim is made.

  • Retroactive date matters
  • Tail coverage may be needed
  • Avoid coverage gaps
Good to know

We’ll help you choose limits and deductibles based on your practice, contracts, and risk profile.

Who needs it?

Medical and allied professionals (as applicable)
Clinics and practices
Certain licensed providers
Contract professionals
Part-time practitioners

Need proof of coverage?

We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.

Frequently Asked Questions

Do I need my own policy if my employer covers me?

Employer coverage may not fully protect you—individual policies can add protection.

Claims-made vs occurrence?

Two common forms; we can explain what fits your situation.

Can I adjust limits later?

Yes—limits can often be updated at renewal.

Does it cover prior acts?

Retro dates matter for claims-made coverage.

How quickly can coverage start?

Often same day after approval.

Get a Free Quote

Ready to protect what matters?

Request a free quote or speak with an agent.

Get a Free Quote Call (718) 925-5997