Healthcare Insurance
Healthcare businesses carry a different kind of risk. Privacy, professional standards, bodily injury exposure, and high expectations from clients, colleges, and regulators all mean the insurance needs to be built carefully.
The Core Healthcare Coverages
Professional liability (E&O / malpractice)
The cornerstone for healthcare. Covers allegations tied to professional services, advice, treatment, or failure to treat. Coverage and wordings vary by profession - market selection matters.
Commercial general liability (CGL)
Covers bodily injury and property damage arising from premises and operations, such as slips and falls at the clinic or non-professional incidents. Many leases and service contracts require it.
Cyber and privacy liability
Patient data is highly sensitive. Cyber can cover breach response, notification, privacy liability, and business interruption from certain cyber events. It is often more affordable than people assume.
Who We Help
Clinics and group practices
Multi-practitioner clinics, medical offices, allied health clinics, and service organizations.
Independent practitioners
Professionals operating on their own, incorporated, or contracting into clinics and facilities.
Allied health and wellness practices
Physiotherapy, chiropractic, massage, counselling, dietetics, speech, occupational therapy, and other regulated or semi-regulated services.
Home care and community services
Mobile services, personal support, therapy services, and organizations supporting clients in their homes or facilities.
Clinics and group practices
Multi-practitioner clinics, medical offices, allied health clinics, and service organizations.
Independent practitioners
Professionals operating on their own, incorporated, or contracting into clinics and facilities.
Allied health and wellness practices
Physiotherapy, chiropractic, massage, counselling, dietetics, speech, occupational therapy, and other regulated or semi-regulated services.
Home care and community services
Mobile services, personal support, therapy services, and organizations supporting clients in their homes or facilities.
Healthcare professional coverage is not one-size-fits-all.
Let's build a program that matches your actual services.
We start with a practical review of your scope, your contracts/college requirements, and how the business operates. Then we come back with clear options so you can choose with confidence.
Key Things to Know
Professional liability varies widely by wording
Healthcare professional liability is often placed through specialized programs and markets. Coverage triggers, definitions, exclusions, and consent-to-settle provisions can differ. We review the wording and your scope before recommending a placement.
CGL is still essential for clinics
A patient fall in the hallway is not a professional negligence claim, but it is still a real claim. Most clinics also need CGL because landlords and facility contracts require it.
Cyber is a practical add-on in healthcare
Clinics handle personal health information, billing data, and sensitive records. Cyber can fund breach response and protect against privacy liability, ransomware events, and operational disruption.
Professional liability varies widely by wording
Healthcare professional liability is often placed through specialized programs and markets. Coverage triggers, definitions, exclusions, and consent-to-settle provisions can differ. We review the wording and your scope before recommending a placement.
CGL is still essential for clinics
A patient fall in the hallway is not a professional negligence claim, but it is still a real claim. Most clinics also need CGL because landlords and facility contracts require it.
Cyber is a practical add-on in healthcare
Clinics handle personal health information, billing data, and sensitive records. Cyber can fund breach response and protect against privacy liability, ransomware events, and operational disruption.
Common Healthcare Add-Ons
These are the coverages that often come up once the basics are in place. We'll recommend what fits your risk and keep it practical.
Frequently Asked Questions
Is professional liability the same as malpractice?
In healthcare, professional liability is often called malpractice. The key is that coverage must match your scope of practice and your regulatory requirements.
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