Frequently Asked Question:

Does Malpractice Insurance Cover Telemedicine Services?

Insurance Type
Related Industries
Related Coverages
Cyber Liability
HIPAA Breach Response
Medical Malpractice

The Short Answer

Not automatically. Telemedicine carries the same malpractice exposure as in-person care plus added cyber, licensure, and privacy risk across state lines, so coverage needs explicit wording confirming it extends to virtual visits, remote monitoring, and the technology platforms involved.

The Full Answer

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. 

Related Questions

Yes — restaurants process card payment data through point-of-sale systems daily, and a breach affecting customer payment information typically isn’t covered under general liability, which is why cyber liability is now considered standard for the industry.

A restaurant’s own commercial auto policy typically doesn’t cover an employee’s personal vehicle, so restaurants using employee-owned cars for delivery generally need hired and non-owned auto liability coverage.

Typically no — standard business interruption coverage is triggered by direct physical damage to the property, so a closure ordered for a health code violation alone usually isn’t a covered event unless it follows a covered loss.

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