Two exposures at once: the medicine and the business.
Practices carry the medicine and the business at the same time. We coordinate malpractice placement alongside the coverage the practice itself needs — one file, both sides.
Most practices insure the medicine and leave the business half thin: property and EPLI sized to staffing realities, cyber scaled to the patient data on file, and business coverage that has to hold through a payer dispute or an interruption.
We coordinate malpractice with the practice's own program so the two sides don't contradict, and so a claim on one doesn't expose a gap on the other.
What we cover
Malpractice coordination
Placed and coordinated alongside the practice's business coverage, so the two programs line up.
Property & business interruption
The practice's premises and equipment, with income coverage that holds through a payer dispute or a closure.
Employment practices (EPLI)
Sized to real staffing patterns and the claims that come with a clinical team.
Cyber
Scaled to the volume and sensitivity of the patient data you hold.
What goes wrong
The business half was left thin
Malpractice held, but a property loss or a payer dispute found no coverage on the side of the practice nobody insured.
EPLI was sized below the team
An employment claim from the clinical staff outruns a limit that was never set to real staffing.
Cyber ignored the patient data
A breach on protected health records outpaces coverage that didn't reflect the volume the practice actually stores.
How it works
Coordinate both sides
Malpractice and the business program placed so neither leaves a gap the other assumes is covered.
Size to the practice
Property, EPLI, and cyber built to how the practice actually staffs and stores data.
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Send us your current policies and loss runs. We'll give you an honest read on where you stand — no obligation either way.
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