MPLC

MPLC operates as a Lloyd's coverholder. This means it has been granted delegated authority by Lloyd's syndicates to underwrite and issue insurance policies on their behalf. The firm's policies are ultimately backed by the Lloyd's market, which provides policyholders with the security of the world's specialist insurance and reinsurance market.

MPLC provides international cover but explicitly excludes the United States. Its policies offer worldwide jurisdiction outside the USA. Clients include healthcare facilities and professionals across various regions.

MPLC integrates its claims process with a partnership with Kennedy's law firm. Policyholders receive 24-hour legal advice and access to a claims handling procedure that includes clinical governance reviews and assessment of open claims. This aims to anticipate outcomes and minimize the impact of claims when they arise.

Policies are written on a claims-made basis and cover legal liability for claims arising from clinical services, including death, bodily injury, or mental injury to patients. Specific cover extensions include defence costs, errors and omissions, public liability, internet liability, dishonest acts of employees, and automatic Good Samaritan acts cover.

The firm covers a wide spectrum of the healthcare sector, from independent private practitioners to large healthcare facilities, associations, affinity groups, and regional or national government healthcare organizations. It does not provide cover for individual medical professionals in the US market.