In our industry, we know that the risk of being drawn into a lawsuit is real. The General liability coverages can help defend you against bodily injury and property damage claims. 


The professional liability responds to claims that include but not limited to your professional expertise, representations you make about your medical device/product, any training or educating on the device and coverage for exposures in the operating room that you are held liable for in your conduct as a medical sales device representative or distributor.


MSA's policy will protect YOU, not the device or equipment manufacturer. This policy will protect you from your professional act or omission and negligence that results in bodily injury or property damage to a third party.

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Please Note: The insurance benefit that automatically comes with membership in MSA only provides coverage for acts relating to the profession of Medical Device Sales and Distribution.  If you perform another type of medical related service, such as the certification of equipment, or any function other than device sales, please click here or call 1-877-303-2050 for quotes on appropriate liability insurance protection.

Professional and General Liability
Coverage Outline For
Medical Sales Advocates Individuals


First Named Insured Members of Medical Sales Advocates
Additional Named Insureds: Member Individuals and companies enrolling through the program

Vantage Risk Specialty Insurance Company
(Non‐Admitted/Surplus Lines)

Effective Date for First Named Insured:

October 1, 2022 – October 1, 2023

Effective Date for Additional Named Insureds:

Coverage Starts on date each individual becomes a member of Medical Sales Advocates and expires on October 1, 2023

Type of Coverage:

Professional Liability‐ Claims‐made form
General Liability‐ Claims‐made form


Limits of Liability:
Professional Liability‐ Per Individual Member

Each Medical Incident: $1,000,000
Aggregate Limit Per Insured: $3,000,000
Policy Aggregate Limit: $25,000,000
Deductible: None
Deductible Aggregate: None
Retroactive Date: Varies‐depends on the enrollment date of each individual member


General Liability‐Per Individual Member

Each Occurrence Limit: $1,000,000
Aggregate Limit Per Insured: $3,000,000
Products/Completed Operations Limit: $1,000,000
Personal/Advertising Injury Limit: $1,000,000
Fire Damage Limit: $50,000
Medical Expense Limit $5,000
Policy Aggregate Limit: $25,000,000
Deductible: None
Retroactive Date: Varies‐depends on the enrollment date of each individual member

For more information call 1-877-303-2050. Click here for coverage details

Click on the links below to learn more about MSA benefits

Professional & General Liability Insurance

  • Professional & General Liability coverage provided with membership

Inventory & Property Coverage, Worker's Compensation Insurance and more

  • MSA's insurance agency partner can provide great rates on various property and casualty insurance plans, including Workers Compensation.

Business Tools

  • Discounts on products to help grow your business

Travel Benefits

  • 24-Hour Roadside Assistance
  • Discounts for travel

Health Insurance

  • Affordable individual, family and group insurance plans (health insurance must be purchased separately)

Wellness Benefits

  • Health & wellness discounts and services