1. Medical Professional Liability (Individual & Entity Malpractice)
Medical Malpractice covers physicians, surgeons, PAs, ARNPs, dentists, chiropractors, and clinics against allegations of misdiagnosis, treatment errors, or failure to render care. We structure both Claims-Made (with Prior Acts / Nose or Tail coverage) and Occurrence forms depending on your specialty and carrier options.
Real-world example: If a patient alleges a delayed diagnosis or surgical complication and files a malpractice suit against both the treating provider and the clinic LLC, Medical Professional Liability funds specialized defense counsel and covered settlements.
2. Allied Health, Behavioral Health & MedSpa Liability
Outpatient physical therapy, occupational therapy, mental health counseling, home health, and aesthetic/medspa practices have unique supervision and scope-of-practice exposures. We place tailored facility and individual professional policies that cover your entire clinical staff.
Real-world example: If a physical therapy patient suffers a fall during rehabilitation exercises and claims improper supervision, Allied Health Professional Liability responds to the claim.
3. Errors & Omissions (E&O) for Professional Advisors
Accountants, consultants, engineers, architects, real estate professionals, and technology firms need Errors & Omissions coverage for financial harm caused by an alleged mistake, missed deadline, or negligent advice. General Liability only covers physical bodily injury or tangible property damage — E&O covers professional financial loss.
Real-world example: If a consulting or engineering client claims a design calculation error delayed their project and cost them $120,000, E&O pays for your legal defense and covered damages.
4. State Licensing Board & Regulatory Defense (HIPAA / Medicare)
A single patient or client complaint to the state Department of Health or a professional licensing board requires experienced legal representation even when no civil lawsuit is filed. Our malpractice and E&O policies include administrative board defense and regulatory billing/HIPAA investigation sub-limits.
Real-world example: If a state medical or nursing commission opens an inquiry into chart documentation or prescribing practices, Licensing Board Defense pays for a healthcare regulatory attorney to represent you.
5. Cyber Liability, HIPAA Data Breach & Ransomware
Medical clinics and professional firms hold sensitive electronic health records (EHR/PHI) and financial data that are prime targets for ransomware and phishing. Dedicated Cyber Liability covers forensic IT investigation, mandatory HIPAA breach notification, credit monitoring, regulatory fines, and business interruption.
Real-world example: If a ransomware attack locks your clinic's scheduling and EHR server, Cyber coverage coordinates forensic recovery, legal HIPAA notices, and lost clinic income.
6. Clinic Business Owners Policy (BOP), Medical Equipment & EPLI
Beyond professional liability, your clinic or office needs premises slip-and-fall liability, replacement-cost coverage for high-value diagnostic/imaging equipment, Spoilage coverage for refrigerated vaccines and medications, and Employment Practices Liability (EPLI) for staff claims.
Real-world example: If a power outage spoils $18,000 in refrigerated biologics or a visitor trips in your waiting room, your Clinic BOP handles the property and premises claim seamlessly.
