Telemedicine carries the same clinical malpractice exposure as in-person care, plus added cyber, licensure, and privacy risks across state lines. Not all malpractice and cyber forms automatically extend to telehealth, so you need explicit wording confirming coverage for virtual visits, remote monitoring, and technology platforms.
Key coverage issues to address:
Malpractice scope must be reviewed. Ensure your professional liability policy defines covered professional services broadly enough to include telehealth, remote consultations, and asynchronous encounters, and clarifies how coverage applies when patient and provider are in different states.
Tech and cyber risk requires attention. Combine MPL with tech E&O/media and cyber coverage for platform failures, data breaches, privacy violations, and business interruption tied to technology issues.
Regulatory and consent requirements must align with your compliance program for state licensing, informed consent for telehealth, and HIPAA/HITECH security obligations for video, messaging, and remote devices.
Liberty’s telemedicine coverage solutions: Liberty designs integrated malpractice, cyber, and tech E&O programs so your telemedicine services can scale confidently while staying compliant and protected in an evolving regulatory environment.