Coverage Options
Choose the right medical malpractice insurance policy for your practice. We offer flexible coverage options tailored to your specialty and risk profile.
Malpractice Coverage Types
Select the policy structure that best fits your career stage and practice needs
Claims-Made Coverage
Coverage for claims filed while your policy is active. Includes lower initial premiums, retroactive date protection, and eligibility for Tail Coverage.
Occurrence Coverage
Coverage for incidents that occur during the policy period, even if reported later. Provides lifetime protection with no tail coverage required.
Standalone Tail Coverage
Extended reporting protection after a Claims-Made policy ends. Ideal for retirement, career transitions, and claims reported after policy expiration.
Gap & Retro Repair Coverage
Corrects or fills gaps in your retroactive date when switching carriers or returning to practice. Restores continuous protection and helps prevent coverage breaks.
Moonlighting Coverage
Specialized protection for additional shifts, locum tenens work, or part-time roles outside your primary employment. Flexible limits for secondary clinical work.
Telemedicine Coverage
Professional liability coverage for virtual care across multiple states and platforms. Designed for remote and hybrid care models with evolving telehealth regulations.
Business Insurance
Protect your practice from risks beyond medical malpractice with essential business coverage
Cyber Liability
Protects your practice from data breaches, ransomware attacks, and HIPAA-related incidents. Coverage includes breach response and regulatory fines.
Workers' Compensation
Required in most states, covers employee injuries, medical expenses, lost wages, and rehabilitation costs from workplace incidents.
Business Owner's Policy (BOP)
Combines general liability and commercial property coverage into one package. Protects against property damage and third-party liability.
General Liability
Protects your practice from third-party claims involving bodily injury, property damage, and personal or advertising injury.
Coverage Options We Help You Evaluate
Every healthcare provider's coverage needs are distinct. Your specialty, practice model, risk posture, and budget all influence which policy options are the right fit. At ETHOS Insurance Services, we take a thoughtful, consultative approach — helping you understand your options and guiding you toward coverage that supports your practice with clarity and confidence.
Common Coverage Options
Your final quote reflects the options that align with your practice, risk profile, and long-term goals — not a one-size-fits-all product.
Get Your Customized Quote
Connect with our team for guidance and a personalized quote.