Malpractice Insurance
Oso Auto Insurance is an independent Insurance Agency based in Logan, Utah.
Malpractice Insurance (Medical Professional Liability)
As a healthcare professional, one lawsuit can put your finances, your license, and your reputation at risk. At Oso Auto Insurance, we help doctors, nurses, and other medical providers secure malpractice insurance (medical professional liability) tailored to the unique risks of modern healthcare.
We’re an independent insurance agency based in Logan, Utah, serving clients across Utah, Idaho, and Texas, and we work with multiple carriers to help you find the right protection at a competitive price.
What Is Malpractice Insurance?
Malpractice insurance is a specialized type of professional liability insurance designed for healthcare providers. It helps protect you if a patient claims they were injured due to:
Medical errors or mistakes
Misdiagnosis or delayed diagnosis
Improper treatment or procedures
Medication errors
Failure to follow up or monitorSalons, spas, and personal services
If a claim or lawsuit is filed against you, malpractice insurance can help cover:
Attorney and legal defense costs
Court fees and expert witness expenses
Settlements or judgments (up to policy limits)
Without this coverage, you could be personally responsible for these costs putting your savings, your practice, and your future at risk.
Who Needs Malpractice Insurance?
Malpractice insurance is essential for many healthcare professionals and medical businesses, including but not limited to:
Physicians and surgeons
Nurse practitioners (NPs) and physician assistants (PAs)
Dentists and dental specialists
Chiropractors and physical therapists
Mental health professionals and counselors
Clinics, urgent care centers, and group practices
Med spas and wellness centers providing medical procedures
Whether you’re part of a large practice, a small clinic, or working independently, Oso Auto Insurance can help you evaluate your risks and find the coverage that fits your role and responsibilities.
What Does Malpractice Insurance Typically Cover?
Coverage details vary by carrier and policy, but malpractice insurance can help protect you in areas such as:
Allegations of negligence or error
Claims that your care fell below accepted medical standards and caused harm.
Legal defense costs
Attorney fees, court costs, expert witnesses, and other expenses to defend you even if the claim is unfounded.
Settlements and judgments
Amounts you are legally required to pay a patient, up to the policy limits.
Claims-made vs. occurrence coverage
Options for how and when claims are covered (for example, claims-made coverage may require “tail” coverage when you switch policies or retire).
Some carriers may also offer additional benefits, like coverage for:
Licensing board or disciplinary proceedings
HIPAA/privacy-related incidents (where available)
Good Samaritan acts (subject to policy terms)
We’ll walk you through what is and isn’t covered so there are no surprises when you need your policy most.
Malpractice vs. Professional Liability / E&O
Malpractice insurance is a type of professional liability insurance specifically focused on healthcare-related claims injury or harm to patients due to alleged medical negligence.
Professional Liability (Errors & Omissions), which we also offer, is broader and applies to non-medical professionals (consultants, accountants, real estate agents, etc.) where the main risk is financial loss due to advice or services not physical injury.
If you’re unsure whether you need malpractice coverage, professional liability/E&O, or both, our team can help you choose the right combination based on your profession and practice setup.
Why Get Malpractice Insurance Through Oso Auto Insurance?
At Oso Auto Insurance, we combine local service with broad market access:
Independent agency advantage
We’re not tied to just one insurance company we compare options from multiple carriers to help you find a good match for coverage and price.
Healthcare-focused solutions
Our malpractice coverage is designed for medical professionals and healthcare organizations, with options for individual providers, groups, and clinics.
Business and personal protection in one place
We can help you bundle malpractice insurance with general liability, BOP (Business Owner’s Policy), commercial auto, workers’ comp, and bonds, as well as personal policies for home and auto.
Bilingual support (English & Spanish)
Our team can assist you and your staff in the language you’re most comfortable with, making the process simpler and more personal.
Local service, real people
From our office in Logan, Utah, we’re here to answer questions, help with certificates, and support you if a claim ever happens.
Our mission is to help you feel safe, secure, and supported, so you can focus on what matters most caring for your patients.
How Our Malpractice Insurance Process Works
Tell us about your practice
Share basic information: your specialty, location, years in practice, practice structure, and any claims history.
We shop multiple carriers for you
As an independent agency, we compare malpractice options from different insurers to find coverage that fits your risk profile and budget.
Review your customized options
We explain limits, deductibles, claims-made vs. occurrence coverage, and any available endorsements (like tail coverage), in straightforward language.
Choose your protection and bind coverage
Once you’re ready, we finalize your policy and help you obtain proof of insurance for hospitals, facilities, or credentialing requirements.
Ongoing support as your career grows
Need to add locations, adjust limits, or update your practice details? We’re here for policy changes, renewals, and questions whenever they come up.
Frequently Asked Questions
Question 1: Is malpractice insurance required by law?
Requirements vary by state, employer, and specialty. In many cases, hospitals, clinics, or contracts will require you to carry malpractice insurance with certain minimum limits even if state law doesn’t specifically mandate it.
Question 2: Does my employer’s policy fully protect me?
Many employers provide some malpractice coverage, but it may prioritize the employer’s interests, may not follow you if you change jobs, and may not include tail coverage. Having your own individual policy can help protect your personal interests and license more thoroughly.
Question 3: What affects the cost of malpractice insurance?
Premiums depend on several factors, including your specialty, procedures performed, location, claims history, and chosen limits (for example, $1M/$3M). Higher-risk specialties and higher limits typically cost more.
Question 4: Can you help if I also need a surety bond for my license or practice?
Yes. Oso Auto Insurance also specializes in surety bonds. If your board, hospital, or contract requires a bond in addition to malpractice insurance, we can help you secure both efficiently.
READY TO GIVE US A TRY?
Get Malpractice Insurance Help Today
Protect your medical career with malpractice coverage designed around you and your practice.
Ready to get started?
Call (435) OSO-SERV (435) 554-0181 to speak with our team, or
Use the scheduler or contact form on our site to request a consultation
At Oso Auto Insurance, we’re making it easy for you to get the insurance you need so you can keep focusing on your patients with confidence.
Company Information
OSO Auto Insurance
418 N 175 E, Ste. 110-A
Logan, UT 84321, USA
E-Mail Address:
info @ osoinsurance.com
Contact Us
(435) 799-2900
(435) 554-0181
(833) OSO SERVice
Business Hours
Available Monday through Friday
9:00 AM to 5:00 PM
