Florida law requires certain licensed healthcare providers — including physicians — to carry a minimum level of malpractice coverage or demonstrate financial responsibility. Requirements vary by license type. Even where not legally required, practicing without it puts your personal assets and practice at serious risk.

A claims-made policy covers claims filed while the policy is active. An occurrence policy covers incidents that happened while the policy was active, even if the claim is filed years later. If you have a claims-made policy and switch carriers or retire, you'll need "tail coverage" to protect against future claims from past services.

Yes — med spas and aesthetic practices that provide treatments like injectables, laser procedures, or other clinical services carry significant malpractice exposure. Standard GL won't cover treatment-related claims. We work with carriers that specifically cover aesthetic and cosmetic medicine practices.

If you store any patient health information — digitally or on paper — HIPAA applies to you, and a data breach can trigger fines, notification costs, and lawsuits. Cyber liability insurance covers all of it. Healthcare is the most-targeted industry for ransomware attacks, making this coverage essential.

In many cases, yes. We can build a healthcare practice package that combines malpractice, GL, property, cyber, and Workers' Comp into a coordinated coverage program — simplifying your renewals and often reducing overall cost.