Business insurance · Healthcare
Risk management for independent practices
Family medicine, dental, chiropractic, counseling and therapy, ambulatory surgery centers. Independent, owner-operated, and reviewed against the exposures a generic commercial package does not price for.
Scope
Small independent practices only. Family medicine, dental, chiropractic, counseling and behavioral health, and ambulatory surgery centers — practices where the owner's name is on the door. Not enterprise health systems. Not allied health networks. If your practice sits outside that scope, say so on the first call; the conversation is different and we would rather redirect you than waste your time.
The framework
A practice program is not the general-liability-plus-property package a retail business buys. It is reviewed against four exposure classes specific to healthcare: professional liability arising from the clinical relationship, general liability at the premises, cyber and patient-data exposure, and the employment and contractual obligations payer agreements create. Each gets sized against your practice, not against a template.
The review runs on the practice's own calendar, not the insurance industry's — renewal timing, staffing changes, and a new service line all move the exposure before the anniversary date does.
The generalist commercial lines this program draws from are on the business insurance hub; this page is the practice-specific layer on top of them.
Questions we actually get
What insurance does a small independent practice need?
Draft copy: the published answer will frame the practice program, professional liability, general liability, property, cyber, and employment practices, as a risk framework rather than a shopping list. Structural placeholder text on purpose, holding this slot at the enforced bound until reviewed copy lands.
How is practice insurance different from generic business coverage?
Draft copy: the final answer will explain the exposures generic packages miss, patient data, licensure, contractual requirements with payers, and why practice risk is reviewed on its own terms. A visible draft by design, never to be mistaken for reviewed risk guidance.
Do you work with hospital systems or larger groups?
Draft copy: the reviewed answer will state the practice scope plainly, small independent practices where the owner’s name is on the door, not enterprise systems or allied health networks. Draft register on purpose; this passage proves the layout and the word bound.
What does a practice risk review cover?
Draft copy: the published answer will outline the review structure, coverage inventory, gap analysis against the practice’s actual exposures, and a renewal calendar built around the practice year rather than the calendar year. Placeholder phrasing in plain sight, sized to the enforced word bound.
Start with a scope call.
Ten minutes on the phone establishes whether your practice fits — trade, size, and structure — before either of us spends more time than that.