CTeL Summit: Q & A with Medical Malpractice Expert Larry Hansard

It goes without saying: All telehealth providers need to ensure that their malpractice insurance will provide adequate protection in the unlikely event of a medical malpractice claim. On November 17, attendees at the Fall 2016 CTeL Executive Telehealth Summit will take a close look at how malpractice carriers view and cover telemedicine in a session entitled, “Malpractice Carriers’ Views of Telemedicine: Risk and Liability Exposure Assessment.”  

Joining the discussion will be Larry W. Hansard, Regional Managing Director for the Health Care Practice at Arthur J. Gallagher & Co. Mr. Hansard is a 30-year veteran of the insurance brokerage industry with extensive experience in professional liability coverage for clients in healthcare and technology.

The Q & A below with Mr. Hansard offers a glimpse of some of the issues this session will cover:

Who should attend your session?
Any telehealth provider who provides patient care directly or indirectly via telephone or the internet would find our discussion worthwhile.

What are some trends you are seeing in medical malpractice coverage for telemedicine?
A growing number of insurance carriers are willing to write telemedicine accounts. This is likely the result of the outstanding loss results that have been experienced within this class of business. In other words, claims-related losses from telemedicine coverage have been small so far. However, many carriers are still very unfamiliar with the challenges of telemedicine, and their policy forms may be too restrictive and cause unforeseen difficulties and potentially uncovered losses.

Does telemedicine introduce unique considerations or factors to a medical malpractice suit, and how do these affect malpractice carriers’ views of the liability risks of practicing telemedicine?
The most important consideration for telehealth is the issue of licensure, not only domestically, but also internationally. Carriers want to confirm that a provider is appropriately licensed in the state or jurisdiction where the patient is seeking care. However, the business model offers many complex challenges that have not been fully addressed, and this is especially true in the area of international exposure. Not all malpractice carriers can provide global coverage and many that do require the suit to be brought in the U.S.

What should healthcare practitioners, systems, and companies engaged in telehealth ask a malpractice carrier when shopping for coverage?
Telehealth providers should be asking about important coverage provisions such as incident claim reporting, sexual abuse coverage, and the inclusion of punitive damages in their policy. These are important considerations for medical malpractice coverage in general, and they also hold importance for telehealth coverage.


Don’t miss this important (and practical) session. Register now to reserve your place at the Summit table!

Click here to see the Fall 2016 CTeL Telehealth Summit agenda.



  1. Chas Moeller
    Oct 07, 2016

    Would like more information on Fall 2016 Summit.

    • CTeL News
      Oct 12, 2016

      Thanks for your interest! You can find more information on the Fall 2016 CTeL Telehealth Summit at http://www.ctelsummit.org. If you have any questions, please feel free to contact us by phone at (202) 449-6970 or by email at suzanne@ctel.org.

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