INDUSTRIES
A healthcare practice carries risk beyond what any standard business policy addresses — a malpractice claim, a breach of patient data, a credentialing dispute. We build insurance programs around the specific exposures of running a medical practice.
Claims of negligence or error in patient care are the defining risk of any healthcare practice, and coverage needs to match your specific specialty and patient volume.
Protected health information makes healthcare practices a consistent target for cyber incidents, with regulatory consequences attached.
General liability exposure exists at every practice, independent of the clinical care itself — a fall in the waiting room is still a claim.
Hiring, credentialing, and terminating providers carries legal exposure specific to the regulatory environment healthcare operates in.
Practice and facility boards make decisions that can expose the individuals making them, separate from the practice itself.
Healthcare is subject to significant regulation, and non-compliance carries its own liability alongside clinical risk.
Loop us in before it’s finalized — malpractice tail coverage and credentialing timing both affect your program.
Our advisors know the realities of running a practice — malpractice, credentialing, patient data — so recommendations are grounded in how healthcare actually operates.
Every recommendation accounts for the fact that a claim can affect reputation as much as it does the balance sheet.
When something happens, we advocate for you through the entire claims process — not just at renewal.
From a solo provider to a multi-site facility, we tailor coverage to where your practice is today and where it's headed.
1
We learn your specialty, your patient volume, your provider structure, and your current coverage and claims history.
2
We identify gaps — malpractice limits, tail coverage, cyber exposure — before they become a problem for a patient or a provider.
3
We place your program with carriers who understand healthcare risk, balancing coverage, service, and cost.
4
We review your program as your practice grows, support you through claims, and help you stay ahead of credentialing and compliance requirements.
Most practices need medical malpractice, general liability, cyber liability, and workers’ compensation at minimum, with D&O appropriate for practices with a formal governance structure. What else you need depends on your specialty and setting — a surgical practice carries different exposure than an outpatient clinic.
Malpractice insurance responds to claims tied to the clinical care you provide — a diagnosis, a procedure, treatment decisions. General liability responds to non-clinical incidents, like a visitor slipping in your waiting room. Practices typically need both, since they cover fundamentally different kinds of claims.
Tail coverage extends your malpractice protection to claims reported after a claims-made policy ends — which matters because malpractice claims can surface years after the care was provided. It typically becomes relevant when a provider leaves a practice, retires, or the practice switches carriers, and it’s worth planning for well before that transition happens.
Protected health information is both sensitive and heavily regulated, so a breach involving it typically triggers notification obligations, regulatory scrutiny, and potential liability beyond what a general cyber policy at a non-healthcare business would face. Cyber liability coverage is built to respond to that fuller scope.
Often yes, if your practice has any formal governance structure — partners, a board, or shared ownership decisions. D&O protects the individuals making those decisions personally, and practice size doesn’t eliminate that exposure, even if it changes the scale of it.
You contact us first — we help you document the incident correctly, get the claim filed with the right carrier, and stay involved as your advocate through investigation and resolution, not just at the point of filing.
