What we place, and how.
We are an independent agency. We work for you, not a carrier, and we arrange coverage through multiple markets so the policy fits the practice instead of the other way around.
Cyber insurance for outpatient healthcare.
A medical practice holds the two things attackers want most: patient records and payment systems. When a breach hits a practice, the costs stack fast. Forensics, patient notification, credit monitoring, regulatory response, and lost production while systems are down.
A well-built cyber policy is designed to respond to:
- Breach response costs, including forensics, notification, and credit monitoring for affected patients
- Ransomware and cyber extortion
- Business interruption while your systems are down
- Data restoration
- Liability claims from patients or third parties after an incident
- Regulatory defense costs, including HIPAA-related proceedings
What a policy actually pays depends on its terms, and terms depend on how well your risk is documented at submission. That is why we start every cyber conversation with the assessment. It is free, takes about ten minutes, and the documentation it produces works in your favor when we go to market.
Business owners policies and commercial coverage.
Beyond cyber, we arrange the core commercial lines a practice or small business carries: business owners policies that package property and general liability, standalone commercial property, and general liability coverage. If you run a Georgia business and it has been a while since anyone looked hard at your program, that is worth a conversation.
One review, your whole program.
Most practices carry policies from different agents, bought at different times, that have never been read side by side. Malpractice here, a BOP there, workers comp somewhere else. Gaps and overlaps hide in the seams.
When we sit down with a practice, we review the complete program. Where a line sits outside the markets we work with, we say so plainly and point you in the right direction. You leave knowing what you have, what it covers, and where it falls short. What you do with that is up to you.
Request a program review.
Bring your policies. We will read them.