Medical Professional Liability

You Take Care Of Others

Let us protect you.

Having provided professional liability solutions for 60 years, Pearl Insurance has the experience and resources necessary to meet your coverage needs. Work with the industry’s most dedicated team for quality Medical Professional Liability Insurance.

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Choose the option that best suits your needs and your state. Then, click Go to find out more.

Why Pearl Insurance?

Pearl Insurance has enhanced government regulatory audit protection built into our program that is designed to shield you from costly legal expenses, fines, and penalties. We hold contracts with the most predominant insurance carriers in the insurance industry and offer coverage for numerous professions. Plus, we specialize in successfully covering difficult to place cases, so if you have a history of claims, we'll work to make sure you still get the valuable coverage you need.

Home Healthcare Coverage Features Include:

  • $50,000 Government Audit Protection (RAC, ZPIC, EMTALA, HIPAA)
  • Cyber Liability Endorsement
  • Sexual Abuse & Molestation Endorsement
  • Changes policy from reimbursement to incurred
  • Broad definition of insured — includes independent contractors
  • Free Shadow Audit when approved by carrier

Nursing, Assisted Living, Independent Living, and CCRC Facility Coverage Features Include:

  • $50,000 Government Audit Protection (RAC, ZPIC, EMTALA, HIPAA)
  • General and Professional Liability
  • Excess Liability
  • Automobile (including private passenger and transport vans)
  • Crime
  • Directors & Officers Coverage
  • Violation of Resident’s Rights
  • No exclusion for physical and sexual abuse
  • No bedsore or elopement limitations
  • Protection for medical directors while acting within the scope of their administrative duties
  • EPLI Coverage

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