Cyber liability covers forensics, restoration, notification and regulatory defense. HIPAA obligations apply regardless of practice size, and ransomware is now the leading trigger.
With claims-made coverage, tail is needed for their past work. Departure agreements should specify who pays for it, since disputes over tail are common.
No. A BOP covers contents and premises liability. It does not include malpractice or cyber, which are the two coverages a practice most needs.
Failure to diagnose or delayed diagnosis. Premises injuries are more frequent but far less expensive, which is why malpractice drives the program.
Yes. Small clinical teams generate a disproportionate share of harassment and wrongful termination claims, and defense costs alone can exceed a year of premium.
