Healthcare Practice Insurance
Healthcare providers face some of the highest-stakes risks of any industry. Between medical malpractice claims, HIPAA compliance, and complex business operations, the right insurance program is critical.
Essential Healthcare Coverages
Medical Malpractice
Covers claims of misdiagnosis, treatment errors, surgical complications, and failure to treat. Available as occurrence or claims-made policies.
Cyber Liability / HIPAA
Covers data breaches involving PHI (Protected Health Information), HIPAA violation penalties, and patient notification costs. Healthcare is the most expensive industry for data breaches.
Business Owner's Policy
Protects your practice's physical location, medical equipment, and business income.
Workers' Compensation
Covers employee injuries — needlesticks, patient handling injuries, and exposure to infectious diseases.
Healthcare by Specialty
| Specialty | Key Risk | Typical Malpractice Cost |
|---|---|---|
| Family Medicine | Misdiagnosis | $5,000–$15,000/yr |
| Dentistry | Procedure complications | $2,000–$6,000/yr |
| Mental Health | Boundary violations, suicide | $1,000–$4,000/yr |
| Chiropractic | Stroke/injury from adjustment | $2,000–$5,000/yr |
| Surgery | Surgical errors | $20,000–$50,000+/yr |
