Physicians · The details

Insurance considerations for physicians

A focused introduction to the areas worth discussing. These descriptions identify questions; they do not establish coverage.

In Canada, ask about the rules and provider availability in your province or territory. Canadian Medical Protective Association · Protection for members ↗

Medical liability protection

Confirm the professional protection appropriate to your work and eligibility directly with the provider.

Bring the detail

Prepare specialty, procedures, and practice locations. Explain any changes since your last insurance review and ask how the proposed terms address them.

Check the wording

Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.

Clinic business insurance

Discuss property, visitors, equipment, and business exposures outside medical liability.

Bring the detail

Prepare current professional protection details. Explain any changes since your last insurance review and ask how the proposed terms address them.

Check the wording

Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.

Cyber & practice risks

Explore patient records, systems interruptions, and employment-related questions.

Bring the detail

Prepare clinic ownership and corporate entities. Explain any changes since your last insurance review and ask how the proposed terms address them.

Check the wording

Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.

Details that shape the comparison

Professional work scope

Specialty, procedures and practice locations need direct provider review.

Practice entity and contracts

Separate individual protection from clinic business responsibilities.

Changes and prior work

Explain locums, remote services and transitions between arrangements.

Record two offers in your comparison worksheet →

Look at the whole picture

Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.

Read: Separating medical liability protection from clinic insurance →