Aspen submitted a filing in California to introduce a new Professional Liability for Healthcare Professionals Program, a claims made and reported medical malpractice policy designed for physicians and other healthcare providers. The filing was submitted on March 9, 2026 and is currently under regulatory review with an effective date requested upon approval.

The program provides professional liability coverage for healthcare professionals against claims arising from incidents that cause bodily injury to patients during the policy period, provided the claim is first made and reported during the coverage period or an applicable extended reporting period. The insurer retains the right to defend claims, select legal counsel, and investigate allegations even if they are groundless, false, or fraudulent.

Coverage includes several extensions beyond standard malpractice protection. These include reimbursement for emergency first aid provided to patients, payment of legal expenses related to professional conduct investigations, support for responding to subpoenas when the insured is not a party to the lawsuit, and coverage for legal costs associated with HIPAA proceedings or billing administrative investigations. The policy also offers media expense coverage to help healthcare professionals address reputational risks following adverse events that generate negative media attention.

The policy contains exclusions common in medical malpractice coverage, including claims involving criminal acts, antitrust violations, employment practices liability, cyber events, pollution, sexual abuse, and services rendered while a provider’s medical license is suspended or inactive. Claims arising from non FDA approved drugs or devices are also excluded unless tied to approved clinical trials or off label use of approved treatments.

The filing represents Aspen’s effort to expand its healthcare professional liability offerings with a proprietary program designed to address malpractice risks, regulatory proceedings, and reputational exposures faced by modern healthcare providers.