Healthcare businesses operate under some of the most stringent regulatory requirements in any industry. From HIPAA compliance to medical malpractice exposure to the unique employment challenges of clinical staff, healthcare providers need insurance partners who understand the full complexity of their risk landscape.
Medical Malpractice: Your Foundation Coverage
Professional liability (malpractice) insurance is the cornerstone of any healthcare insurance program. California's MICRA reforms cap certain damages, but litigation costs alone can be devastating. We place malpractice coverage with carriers who specialize in your specific practice type — from family medicine to surgery to mental health.
HIPAA & Cyber Compliance
Healthcare data breaches carry the highest per-record cost of any industry. HIPAA penalties can reach millions of dollars, and patient lawsuits add additional exposure. Cyber liability insurance designed for healthcare covers breach notification, regulatory defense, and the forensic investigation required by HIPAA's breach notification rule.
Health Tech & Digital Health
Telehealth platforms, health data analytics companies, and medical device startups face a blend of tech and healthcare risks. We structure hybrid policies that address both software E&O and healthcare professional liability — a combination that most general insurance brokers struggle to place.
Frequently Asked Questions
What insurance do medical practices need in California?
At minimum: malpractice insurance, general liability, commercial property, workers' comp, and cyber liability (for HIPAA compliance). Many practices also need EPLI and business auto coverage.
How much is malpractice insurance in California?
Costs vary dramatically by specialty. A family practice physician might pay $5,000-$15,000/year, while a surgeon could pay $30,000-$100,000+. MICRA reforms help keep California rates moderate compared to other states.
Do telehealth companies need malpractice insurance?
Yes. If your platform facilitates medical consultations, both your company and your providers need malpractice coverage. The virtual setting doesn't reduce the standard of care or liability exposure.