Healthcare
Caring for More Than Just Patients: The Risks Every Healthcare Provider Must Address
Healthcare providers are lifelines of care facing diverse arrays of risk that can impact operations and reputations.
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February 23, 2025
Large Healthcare Systems & Medical Risk Enterprises
Protecting Hospitals, Physician Groups, and Healthcare Facilities with Precision-Built Insurance for Clinical, Cyber, and Administrative Exposure
Healthcare institutions face persistent risks across patient care, regulatory compliance, and data protection. We design insurance solutions to support, defend, and simplify.
$4.5T
U.S. healthcare spending exceeds $4.5 trillion annually across all care systems.
1 in 3
One in three healthcare data breaches involve ransomware attacks or credential theft.
$120B
Annual cost of medical malpractice claims and legal settlements in the U.S.
The Unique Risks of Healthcare
Healthcare organizations manage multidimensional risks — from medical errors and cyberbreaches to HIPAA violations and labor disputes — requiring integrated insurance programs to defend providers, protect patients, and stabilize financial operations.
Medical Malpractice and Patient Harm - Liability from misdiagnosis, surgical error, or improper treatment.
Cyberattacks on Health Systems - Breaches exposing patient data, EHR systems, and billing infrastructure.
HIPAA and Regulatory Exposure - Fines and audits from privacy violations or noncompliant patient data handling.
Healthcare Employment Litigation - Disputes tied to discrimination, wage disputes, and wrongful termination.
Infectious Disease and Pandemic Claims - Exposure from outbreak-related closures, liability, or staff illness.
Our healthcare risk solutions safeguard against malpractice, breach, regulatory loss, and litigation—empowering medical providers to operate with trust, precision, and continuous patient-centered delivery.
Specialized Coverages for Healthcare
Medical Malpractice & Professional Liability
Misdiagnosis, surgical error, and clinical negligence.
Individual and group provider programs available.
Legal defense, arbitration, and settlement support.
Cyber Liability and Data Breach
Breach, ransomware, and system shutdown.
HIPAA breach response, OCR notification, and crisis support.
Vendor-related tech exposures.
Regulatory & HIPAA
Defense against HIPAA and OCR investigations.
Fines, Penalties, and defense costs reimbursed.
Optional extensions for telemedicine compliance risk and assessment.
Employment Practices Liability (EPLI)
Wrongful Termination, discrimination, and harrassment claims.
Third-party and class-action claim support.
Custom terms for high-turnover facilities and union workforces.
Infectious Disease and Outbreaks
Business interruption from outbreak or mandated shutdowns.
Communicable disease cleanup and notification.
Optional medical waste disposal reimbursement.
Case Study
The Risks of Delivering Modern Care in a High-Liability Environment
Chicago, IL
Malpractice Verdict
A hospital was ordered to pay $40 million in a surgical negligence lawsuit.
Brooklyn, NY
Ransomware Attack
A cyberattack crippled a New York hospital's EHR and billing system for weeks.
Miami, FL
HIPAA Violation Penalty
A healthcare provider paid a $1.2M fine after improperly disclosing patient data.
