The program provides worldwide protection against medical malpractice claims which might be brought against you in your practice as a physician or surgeon.

Your Medical Malpractice Protection Covers You for Damages Resulting From:

  • You or your organization providing or withholding professional services
  • Providing or withholding professional services by anyone whose acts you are legally responsible for including, among others, your employees and volunteer workers when working within the scope of their assigned duties
  • Your service on a formal accreditation board or similar board or committee

Coverage Details

  • Insurance policies are written by subsidiaries of CNA (AM Best rating of A XV)
  • January 1 renewal – simplified renewal process
  • Claims-made coverage
  • Occurrence coverage available (short term, per diem, limited work hours)
  • Annual limit options include $1M/$3M, $2M/$6M and $3M/$6M
  • A primary layer of cyber insurance coverage, with the option to buy more, is included in the coverage

Tail Coverage

Tail coverage may be purchased upon termination.

Indefinite time period to report claims under the extended reporting period policy endorsement until limits are exhausted.

Tail Coverage at No Cost:

  • If you die while covered under the program
  • If you retire from the practice of medicine after age 55 and have been continuously insurance with the HHCISL Independent Physician Insurance program for the last five years before retirement.
  • If you are totally and continuously disabled for at least six consecutive months and are unable to perform your former medical practice duties.

*Limits equal to or below the limits maintained while insured.


Premium based on selected limits plus several factors including:

  • Specialty
  • Surgery vs. non-surgery
  • Retro date
  • Full or part-time practice
  • 50% premium credit for physicians new to practice
  • No charge for PC or advanced practicing provider
  • No charge for locum tenens
  • Risk management, CME, and loss experience credits
  • Premium waiver for disability/maternity leave/leave of absence
  • Billed monthly

Eligibility and Participation

  • Active medical staff privileges in a participating Hartford HealthCare hospital are required.
  • For group practices, group practices are eligible to participate if most members of the group have active medical staff privileges in a participating Hartford HealthCare facility and/or have a significant affiliation with Hartford HealthCare.
  • Application required for new members.

Contact HHCISL

Coverage Questions

Sharon Daust-Deleeuw
Marsh Senior Vice President, HealthCare Practice

Mike Kane
HHC Director of Insurance & Risk Financing
Office: 860.545.4841
Mobile: 860.227.4052

Medical Malpractice or Tail Insurance Quotes for Independent Physicians

Sharon Daust-Deleeuw
Marsh Senior Vice President, HealthCare Practice

More Information

To Report an Incident or Something That Could Result in a Claim or Lawsuit

Risk Management
Barbara (Bobbi) Dunham

To Report a Medical Malpractice Claim or Lawsuit

Report a Medical Malpractice Claim / Lawsuit

If you encounter any issues with the link, you may use the following email to report any claim or suit:

For Additional Information Regarding Medical Malpractice/Lawsuits, Please Contact:

Chris Maiello
Associate General Counsel
Office: 860.545.3336
Mobile: 860.936.2053