Professional Liability Carriers
7 specialty carriers that actually write medical and niche professional liability — compared on limits, policy form, license defense, and who each one fits best.
HPSO / NSO
4.6Healthcare Providers Service Organization — occurrence coverage with $1M/$6M limits
Berxi (Berkshire Hathaway)
4.5Digital-first carrier with occurrence and claims-made options; defense costs outside limits
Proliability (Mercer)
4.4AANP-sponsored occurrence coverage for nurses and allied-health professionals since 2008
CM&F Group
4.4Family-run malpractice specialist since 1947; 24/7 portable coverage with telemedicine included
CPH & Associates
4.3Occurrence (lifetime) coverage specialist for mental-health and niche health professions
Beauty & Bodywork Insurance (BBI)
4.2Affordable program coverage for beauty and bodywork pros — from $9.99/mo
Thimble
4.1On-demand liability coverage by the hour, day, month, or year
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Compare Carriers
| Carrier | Coverage limits | Policy form | License defense | Rating | |
|---|---|---|---|---|---|
| HPSO / NSO Best for: healthcare professionals who want widely recognized occurrence coverage with high aggregate limits | $1M per claim / $6M annual aggregate | occurrence | ✓ | 4.6 | Get Quote |
| Berxi (Berkshire Hathaway) Best for: professionals who want instant online quotes and defense costs that don't erode limits | Flexible up to $1M / $6M aggregate | occurrenceclaims-made | ✓ | 4.5 | Get Quote |
| Proliability (Mercer) Best for: nurses and allied-health professionals who want occurrence coverage with no tail | Up to $1M / $3M aggregate | occurrence | ✓ | 4.4 | Get Quote |
| CM&F Group Best for: clinicians who want portable coverage with telemedicine and license defense built in | Up to $1M per claim / $6M annual aggregate | occurrence | ✓ | 4.4 | Get Quote |
| CPH & Associates Best for: counselors, psychotherapists, and niche health professions wanting lifetime occurrence coverage | Professional liability occurrence form; optional GL $1M / $3M aggregate | occurrence | ✓ | 4.3 | Get Quote |
| Beauty & Bodywork Insurance (BBI) Best for: estheticians, massage therapists, and cosmetologists who want low-cost coverage for all their services | $2M per claim / $3M annual aggregate | occurrence | — | 4.2 | Get Quote |
| Thimble Best for: freelancers and part-time / niche professions that need flexible, short-term coverage | $1M per occurrence / $2M aggregate (adjustable) | occurrence | — | 4.1 | Get Quote |
“Get Quote” links are affiliate links (rel="sponsored"). Ratings and coverage figures are aggregated information, not exact quotes.
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Frequently Asked Questions
Which professional liability carrier is the cheapest? +
There is no single cheapest carrier — prices depend on your profession, state, and limits. As reference points: BBI starts massage therapist coverage around $96/yr, Berxi lists counselor coverage from about $363/yr (supplemental), and Proliability starts nurse practitioner coverage at $991/yr. Always compare your own quote.
Which carriers offer occurrence coverage? +
HPSO, Proliability, CM&F, and CPH & Associates all write occurrence-form professional liability; Berxi offers both occurrence and claims-made. Occurrence form means incidents during the policy period stay covered forever — no tail coverage to buy when you leave.
Do these carriers include license defense? +
Yes, in different forms: HPSO includes license defense up to $25,000, CPH provides $35,000 state licensing board defense, Proliability reimburses $25,000 per incident ($100,000 per policy period), and CM&F bundles license defense with its portable coverage.
How were these carriers selected? +
We only cover specialty carriers that write medical and niche professional liability at individual-practitioner scale, with policy terms we can verify from their public pages. We do not list generalist commercial insurers that barely serve these professions.