Medical Malpractice Insurance Products

Compare 43 products offered for Medical Malpractice Insurance from 26 companies including AIG Insurance Company of Canada, Totten Insurance Group, and Premier Group of Companies.

Our Insurance Comparison Tool allows you to pick the policy that's right for you by comparing every plan offered by Canada's leading providers. Not sure where to start? Our Frequently Asked Questions can explain the basics of Medical Malpractice coverage

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Frequently Asked Questions

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What Is Medical Malpractice Insurance?

Medical Malpractice insurance is a type of professional indemnity insurance for healthcare professionals that protects them from claims of misdiagnosis, negligence, or harm.


These claims can come from a patient, someone undergoing treatment or a person in care, but with the rise of claims experts and solicitors targeting the medical industry, it is more important than ever for the healthcare industry to make sure it is protected against any potential claims made against any errors or omissions they may have caused.

Medical Malpractice insurance can also be referred to as Medical Professional Liability insurance or Medical Indemnity insurance.

Who Is Medical Malpractice Insurance For?

Most people who work in the healthcare industry are required by regulatory bodies to take out Medical Malpractice coverage, including:


  • doctors and GPs
  • nurses
  • surgeons
  • dentists
  • optometrists
  • midwives

However, there are many other healthcare or wellness providers who would also benefit from taking out a Medical Malpractice insurance policy such as:

  • masseurs and physiotherapists
  • psychologists, psychiatrists and counsellors
  • dieticians
  • pharmacists
  • chiropractors
  • paramedics
  • pathologist
  • care providers
  • occupational therapists
  • health and wellness centres
  • tanning salons
  • plastic surgeons
  • weight loss clinics
  • skin clinics
  • spas
  • independent health professionals

If you are providing a service that requires a physical assessment, diagnosis, treatment or rehabilitation then Medical Malpractice insurance is advised in case of any errors or omissions.

What Does Medical Malpractice Insurance Cover?

Specific coverage for Medical Malpractice will depend on the nature of the healthcare provider or facility, as well as the nature of the claim. While injuries form the basis of the most common claims there are also several other risk areas that need to be considered:


  • errors or omissions during the course of professional duties
  • misdiagnosis or failure to diagnose
  • incorrect prescription or dosage
  • unnecessary surgery or operating on the wrong part of the body
  • delay in referral
  • physical harm to a patient
  • mental suffering of a patient caused during consultation or procedure
  • pressure ulcers or bedsores
  • lack of informed consent

For any claim is important to distinguish between a genuine negligent act and the dissatisfaction of the outcome of treatment from a patient.

Aside from the legal expenses there may be reputational harm caused to the healthcare provider which could cause a loss of earnings or financial loss for the company. Medical Malpractice insurance will also cover restoration costs to improve the reputation and image of company in cases of negative publicity or defamation.

Other potential legal costs range from damages awarded to the claimant as well as paying for further treatment and rehabilitation, as well as compensation.

Whether you are assisting with the treatment, rehabilitation or care of a patient or individual, if an act of negligence could result in an accident or injury then Medical Malpractice insurance will help cover the costs incurred if the patient sues.

What Does Medical Malpractice Insurance Not Cover?

While Medical Malpractice insurance is concerned with covering the costs of claims made due to negligence, errors or omissions there are some occurrences not covered by most insurance policies. It is always important to check the wording of each individual insurance policy but the main exclusion areas include:


  • deliberate or reckless acts that disregard a patient’s safety
  • illegal acts (like assisted suicide)
  • misrepresentation on insurance applications
  • sexual abuse
  • hospital administration errors (for example if the hospital is liable for losing patient data)

How Much Does Medical Malpractice Insurance Cost?

Malpractice suits can be very expensive. The exact cost will depend on the size of the organization as well as the scale of the potential damage, as well as the amount of coverage you purchase. Be sure to select an insurance policy with the specific coverage that meets your needs.

We spoke to Michael Loeters, Senior Vice-President at PROLINK, about Medical Malpractice insurance.