A risk advisor for medical practices & healthcare providers

A medical practice carries risk on two fronts at once: the clinical care you deliver and the business you run to deliver it. Medical malpractice and professional liability sit at the center, and how the policy responds matters as much as the limit. We look closely at whether the form is occurrence or claims-made, and where it is claims-made, at the retroactive date, any prior-acts coverage, and the cost and trigger for tail (extended reporting period) coverage when a physician retires, a partner leaves, or the practice changes carriers. We also review how the limit is shared across providers, how consent-to-settle (hammer) clauses are worded, and how locum tenens and newly credentialed providers are added so a clinician isn’t treating patients outside the coverage on file.

The exposures that most often go under-insured in this sector are the ones that aren’t strictly clinical. Protected health information makes a practice a target, and a breach brings notification obligations, regulatory investigation, and potential HIPAA penalties that a standard package rarely addresses; we structure cyber and privacy coverage to address PHI breach response, regulatory defense, and business interruption from a ransomware or EHR outage. Billing, coding, and reimbursement decisions create regulatory exposure of their own — audits, recoupment demands, and allegations tied to Medicare/Medicaid billing — which sit in regulatory billing E&O rather than the malpractice form. Layered on top are the everyday business risks: patient slips and falls and other premises liability, theft or breakdown of imaging and diagnostic equipment, spoilage of refrigerated vaccines and specimens, and employment claims from a workforce of clinical and administrative staff.

We build the program so these pieces fit together rather than overlap or leave seams, reviewing where one policy’s exclusion is meant to be picked up by another and flagging where it is not. As telemedicine, multi-site operations, and contracted providers expand what a practice does, we revisit the malpractice application, scope of services, and any hospital or payer contract requirements so the coverage on record reflects how the practice actually operates — structured to reduce gaps and clarify exclusions, with the understanding that any claim still turns on the policy’s terms, limits, and the carrier’s determination.