HudsonPro Medical Professional Liability product offers comprehensive insurance solutions with broad coverage for the following physicians and physician groups: 

  • Large Physician Groups: Group of 10 or more Physicians
  • Small Groups & Individual Physicians: Group of Less than 10 Physicians
  • Select Physicians: Grey Physicians, Unique Exposures Challenged Risk or Territory

Coverage is written on a non-admitted basis by Hudson Excess Insurance Company for all states, and on an admitted basis by Hudson Insurance Company in 11 states. See the map below for details.

admitted non-admitted states


Typical Limit of Insurance

  • $1,000,000 per claim / $3,000,000 annual aggregate
  • Entities will share the limit of insurance with the physician(s) — separate entity limit available
  • First Dollar coverage as well as various retention options are available
  • Defense costs in addition to the limit of insurance

Coverage Includes

Large Physician Groups + Small Groups & Individual Physicians

  • Consent to Settle
  • Expense Outside Limit
  • Separate Entity Limit Available

Select Physicians

  • Consent to Settle may be limited
  • Claims reporting trigger may be restricted Minimum earned premium of 25%
  • ERP may be limited

Product Benefits

  • Full Consent to Settle for the Named Insured
  • Incident Report Claim Trigger
  • Includes Locum Tenens coverage
  • No premium charge for an Extended Reporting Period (ERP) due to death, disability or retirement(age 55 or older) – subject to five years of continuous coverage with the most recent year with Hudson
  • Unlimited ERP for most insureds
  • Reimbursement of licensing hearing cost with typical limits of $10,000 / $30,000
  • HIPAA/Medicare/Cyber liability available by endorsement
  • New-to-Practice discount
  • Free online CMEs and Risk Management Credit
Risk management services for transportation, municipalities and healthcare are also available via our third-party administrator, Napa River Insurance Services, Inc. Find out more