Industry
Commercial risk consulting for healthcare operators.
Clinics, ambulatory surgery centers, multi-site provider groups, and behavioral health networks have layered exposures across professional liability, regulatory defense, cyber, and management liability. We pressure-test the program and coordinate placement through Rush Insurance.
Overview
What’s distinctive here
Healthcare programs sit at the intersection of clinical, regulatory, and information risk. Each form has its own claim trigger and defense panel, and each interacts with the others. Most coverage debates are coordination problems, not limit problems.
An important note. Medical malpractice for licensed clinicians is typically placed by specialty markets with their own underwriting. Rush Insurance coordinates with those markets and the entity professional liability form so coverage stacks correctly across the practice and the practitioner.
Risk scenarios
Where exposure tends to land.
HIPAA and OCR enforcement
A multi-site primary care group has a portable device incident affecting 18,000 records. The OCR investigation arrives months later. Cyber regulatory defense, fines and penalties where insurable, and breach response coordination through panel counsel decide whether the matter resolves through corrective action plan or escalates.
Telehealth and scope of practice
A specialty group expands telehealth into states where some clinicians aren’t licensed. A claim arises from a misdiagnosis in a state without a treating-clinician license. Professional liability defense often turns on credentialing records, the corporate practice of medicine, and the policy’s definition of professional services.
Vicarious liability for contracted clinicians
An ASC contracts with a CRNA group through a staffing agreement. A complication leads to a claim against the surgeon, the CRNA, and the ASC. Indemnification language in the staffing agreement, certificates of insurance with additional insured wording, and the ASC’s entity professional form drive who pays defense.
Ransomware impact on clinical operations
A 50-provider behavioral health network loses access to its EHR for nine days. Cyber BI from clinical operations, dependent system failure, and the cost of downtime procedures collide. The waiting period and the definition of system failure decide what the cyber policy actually pays.
Regulatory investigation defense
A state department of public health opens an inquiry. Defense costs land before any finding. The professional liability form, the entity coverage on D&O, and a regulatory defense endorsement on cyber may each respond, or may not. Coordination matters as much as limits.
Employment practices in clinical settings
Clinical hierarchies, residency culture, and high-pressure environments produce a distinct EPLI claim profile. Wage and hour for nursing exempt status, harassment allegations, and retaliation after credentialing decisions are the modal claims. Defense-inside-limits and the third-party liability grant for patient-on-staff incidents matter.
Coverage lines
What we typically review
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Professional Liability →
Entity professional, coordination with practitioner med mal, and vicarious liability grants.
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Cyber Liability →
HIPAA regulatory defense, breach response, dependent system failure, and panel control.
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Management Liability →
D&O, EPLI for clinical settings, fiduciary, and regulatory entity coverage.
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Property & Casualty →
Building, contents, BI, abuse and molestation, and sexual misconduct allegations sublimits.
Placement
How placement works
Vetted Risk consults. Rush Insurance is the licensed placement partner and binds coverage with carriers, including coordination with specialty medical malpractice markets where applicable. Vetted Risk is not licensed to sell, solicit, or negotiate insurance, and receives no commission, override, or contingent compensation tied to placement.
Next step
Share your current entity professional and cyber declarations.
We respond within one business day with a coordination map across the practice and the practitioners.