Help And Frequently Asked Questions
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Help & FAQ
General Question
Running a healthcare business involves unique risks. Here are answers to some common questions about our insurance coverage and services.
A healthcare business typically needs several types of insurance to protect against various risks, including:
Professional liability (malpractice) insurance for errors or negligence in care.
General liability insurance (slips, falls, etc.).
Property insurance (for business premises, equipment).
Workers’ compensation (for staff injuries or illness).
Cyber liability (for data breaches, patient privacy violations).
It depends on your jurisdiction and what services you offer. For many healthcare providers, malpractice insurance is either legally required or strongly recommended because of the high risk of claims related to errors, misdiagnoses, or negligence.
General liability covers bodily injury or property damage caused by your business operations (for example a patient slipping at your clinic).
Professional liability (malpractice) covers harm caused by mistakes, errors, or omissions in professional care or services.
Premiums can depend on many factors, including:
Type of healthcare service provided (e.g., clinic, hospital, lab).
Number of employees or practitioners.
Past claims history.
Location (both geographic risks and regulatory environment).
Amount of coverage and policy limits.
Safety protocols and risk management practices in place.
Yes — cyber liability insurance and data breach insurance are designed to cover losses arising from security breaches, unauthorized access to patient information, and related legal liabilities.
A BOP bundles several coverages — usually general liability, property insurance, and business income interruption. For healthcare businesses, a BOP can be cost-effective because many of the basic property and liability needs are already covered in one package.
Yes. Equipment (e.g., diagnostic machines, surgical tools, lab devices) is typically expensive, and replacement or repair costs can be high. Your property insurance might cover some, but for complete protection, you may need specialized insurance covering equipment breakdowns or loss.
If you employ staff, in many regions you are legally required to carry workers’ compensation insurance. It covers medical costs, rehabilitation, and sometimes lost wages if an employee is injured or becomes ill due to work-related causes.
Generally, the process involves:
Notifying your insurer as soon as possible.
Collecting all relevant documents (incident reports, medical records, bills).
Cooperating with investigations or auditors.
Submitting the claim according to policy instructions.
Yes. Common exclusions may include:
Intentional wrongdoing.
Certain high-risk procedures unless specifically covered.
Pre-existing conditions or past claims (for malpractice).
Acts outside the scope of your business license.
Some policies may exclude certain types of equipment damage or data breaches unless riders are added.
Some ways include:
Implementing strong risk management and safety protocols.
Bundling policies (e.g., combining several coverages).
Choosing higher deductibles/lower coverage limits (if acceptable).
Having clean claims history.
Shopping around / comparing insurance providers.
Occurrence policy covers claims if the incident happened during the policy period, even if the claim is filed later.
Claims-made policy covers claims only if both the incident and the filing happen while the policy is active (or within an extended reporting period if provided).
It depends on your policy. You should check whether malpractice and liability policies extend to services delivered remotely, including virtual consultations. Some insurers require specific add-ons or endorsements for telemedicine.
Usually yes. As your business grows (more patients, more professionals, more expensive equipment, more operations), the potential risk exposure increases, which could raise premiums. Also, larger revenues or expanded operations may trigger needs for higher coverage limits.
Definitely. There are insurance products designed for small-scale operations. Many insurers offer scaled-down coverage packages that are more affordable and appropriate for smaller practices.
Some important factors:
Provider reputation, claims history, and customer service.
Financial strength of insurer (can it cover large claims?).
Specialty knowledge in healthcare / malpractice.
Flexibility in policy options (add-ons, endorsements).
Clear explanation of coverage, limits, and exclusions.
General Liability Insurance
Protect your healthcare business from everyday risks.
General Liability Insurance is the foundation of any solid healthcare business protection plan. It covers third-party claims for bodily injury, property damage, or personal injury that may occur at your facility or as a result of your operations.
For example, if a patient slips in your clinic’s lobby or a visitor’s property is accidentally damaged, this policy helps pay for legal defense costs, settlements, and medical expenses.
Why it matters for healthcare:
Healthcare facilities face constant foot traffic from patients, vendors, and staff — which means more exposure to accidents. General Liability Insurance keeps your business financially secure, even in unexpected circumstances.
Typical coverage includes:
Bodily injury and property damage liability
Legal defense and court costs
Medical payments
Workers’ Compensation
Protect your team — and your business — when workplace injuries occur.
Healthcare employees often work in high-risk environments where injuries, infections, or repetitive-strain conditions can happen. Workers’ Compensation Insurance provides wage replacement and medical benefits to employees injured while on the job.It also protects your business from lawsuits that could arise due to work-related incidents.
Why it’s essential:
Healthcare employers are legally required in most states to provide Workers’ Compensation. More importantly, it fosters employee trust and ensures continuity of care by supporting your staff through recovery.
Typical benefits:
Medical expenses and rehabilitation costs
Disability benefits
Employer legal liability protection
Property & Equipment Coverage
Safeguard your facilities and critical medical equipment.
Your healthcare operations rely on expensive diagnostic tools, lab equipment, and physical spaces that must function daily without interruption. Property & Equipment Coverage protects these valuable assets from damage or loss caused by fire, theft, vandalism, or natural disasters.
Why healthcare needs it:
Downtime in healthcare isn’t just lost revenue — it can interrupt patient care and damage your reputation. Property coverage helps you recover quickly and replace or repair damaged assets so you can get back to serving patients.
Coverage highlights:
Building and office protection
Coverage for medical equipment and supplies
Business personal property
Cyber Liability (HIPAA-compliant)
Protect sensitive patient data and stay compliant with HIPAA regulations.
Cyberattacks are one of the fastest-growing threats to healthcare organizations. Cyber Liability Insurance shields your business from data breaches, ransomware attacks, and HIPAA violations.If confidential patient information is compromised, this coverage helps pay for notification costs, regulatory fines, forensic investigations, and data recovery.
Why it’s vital:
Healthcare data is among the most targeted in the world due to its high value on the black market. HIPAA compliance requires strong data protection — and cyber insurance ensures you’re financially covered if something goes wrong.
Coverage includes:
Data breach response and recovery
HIPAA violation defense and fines
Cyber extortion (ransomware) protection
Business Interruption Insurance
Keep your healthcare operations running — even when disaster strikes.
Business Interruption Insurance provides income replacement and operational expense coverage if your healthcare business must temporarily close due to an insured event, such as fire, flood, or system outage.
It ensures you can still pay rent, employee salaries, and ongoing bills while your facility is being repaired or rebuilt.
Why healthcare providers need it:
Patient care can’t wait — and unexpected closures can lead to financial strain and loss of trust. Business Interruption coverage helps maintain financial stability during recovery.
What’s typically covered:
Lost income during downtime
Payroll and operational expenses
Supply chain disruption losses
Comprehensive Coverage for the Healthcare Industry
We offer specialized insurance solutions designed to protect healthcare businesses from financial, legal, and operational risks — keeping your practice secure and compliant at every step.
