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Group Practice & Clinic Malpractice Insurance
Coverage Designed for Multi‑Provider Healthcare Teams
Coverage Built Around Your Practice
Group practices face unique operational and liability challenges. ETHOS Insurance Services provides custom malpractice insurance solutions for multi‑provider practices, clinics, and specialty groups.
A group policy covers more than the individual clinicians. The practice itself can be named in a claim, and providers join and leave over time. The right structure sets clear limits for each provider, protects the entity, and handles tail coverage when someone departs.
Coverage Designed Around Your Needs
- Shared or individual limits
- Coverage for employed and contracted providers
- Vicarious liability protection
- Tailored risk‑management programs
- Defense costs outside policy limits
Common Risks We Cover
- Vicarious liability for employed providers
- Coverage gaps between individual policies
- Coordination of care across multiple providers
- Credentialing and privileging issues
- Employment practices liability exposure
- Supervision and oversight responsibilities
- Partnership and ownership transition risks
- Regulatory compliance across multiple locations
Common Questions
With shared limits, one pool of coverage applies to the whole group, so a large claim against one provider can reduce coverage for everyone. With separate limits, each provider has their own limits. Separate limits generally cost more but offer more protection.
Usually, yes. Patients often name the practice as well as the individual clinician in a claim. Entity coverage protects the business itself.
If the group has claims-made coverage, the departing provider may need tail coverage for past patients. Decide in advance, ideally in employment agreements, who pays for it.
Most group policies allow providers to be added or removed during the policy term, with the premium adjusted accordingly.
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