Healthcare professional insurance for your practice and patients
Protection for physicians, dentists, therapists and allied health providers across Washington and Oregon, from malpractice exposure to HIPAA. We build programs that go beyond malpractice to cover the cyber, premises, employment and regulatory exposures a modern practice faces.
A-rated carriers · Same-day certificates · Credentialing and tail-coverage support
Protecting your practice and reputation
Healthcare professional insurance protects physicians, clinics, therapists and allied health providers, along with their patients and professional reputation. First Underwriters has worked with Pacific Northwest providers since 1992, building programs that cover the full range of exposures a practice faces. For broader professional resources, see the American Medical Association.
How one healthcare exposure escalates
Three illustrative examples of what happens when coverage is missing or improperly structured, and what closes the gap.
A missed cancer diagnosis, 14 months late
A primary care physician dismissed recurring symptoms as stress-related. When the patient was diagnosed with Stage IV cancer 14 months later, the family sued for wrongful death, lost earnings and pain and suffering. The malpractice policy carried a $1M per-occurrence limit and there was no umbrella for the excess judgment, leaving the physician personally exposed for the balance.
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your practice
Every provider starts with a malpractice, general liability and regulatory defense core. Tell us how you operate and we'll show what else typically applies. No contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
9 coverages — a starting point for a conversation, not a quote.
- Medical MalpracticeErrors, misdiagnosis and informed-consent claims.
- General LiabilitySlip-and-fall and premises claims at your facility.
- Regulatory DefenseLicensing-board, Medicare and DEA investigations.
- Workers' CompensationNeedle sticks and staff workplace injuries.
- Employment Practices LiabilityDiscrimination, harassment and wrongful termination.
- Cyber Liability & HIPAAData breaches, ransomware and HIPAA violations.
- Business Owners Policy (BOP)Property, equipment and business income bundled.
- Medical EquipmentImaging, dental chairs and specialized devices.
- Business InterruptionLost income if the practice must close.
From first call to certificate
Understand your practice
Your specialty, procedures, staff, telehealth, electronic records, equipment, claims history and credentialing needs, so the program fits your real exposures rather than a generic medical template.
Go to medical liability markets
We approach A-rated carriers that specialize in medical professional liability and reward good claims history, among our 50+ carrier partners, with occurrence and claims-made options.
Build the program
Malpractice at adequate limits with umbrella above it, general liability, cyber/HIPAA, regulatory defense, a BOP with equipment and business income, and EPLI and workers' comp for staff.
Credentialing and claims
Fast, accurate certificates for hospital privileges and insurance panels, tail-coverage guidance, claims advocacy from first notice, risk-management tools and annual reviews.
Every policy a practice may need
Filter by type or search to see the range of coverage we place for healthcare professionals.
Medical Malpractice
Claims of medical errors, misdiagnosis, treatment complications and failure to obtain informed consent, on occurrence or claims-made forms.
General Liability
Bodily injury and property damage unrelated to professional services, such as patient slips and falls, visitor injuries and third-party property damage at your facility.
Umbrella / Excess Liability
Additional limits beyond your primary policies when a malpractice judgment exceeds base limits.
Directors & Officers
Practice owners and board members against claims of mismanagement, breach of fiduciary duty and governance failures.
Cyber Liability & HIPAA
Data breaches, ransomware and HIPAA violations, including breach-notification costs, credit monitoring, regulatory fines and legal defense. See <a href="https://www.hhs.gov/hipaa/index.html">HHS HIPAA guidance</a>.
Regulatory Defense
Defense for licensing-board investigations, Medicare/Medicaid audits, DEA investigations and other regulatory proceedings that affect your license.
Business Owners Policy (BOP)
Property, equipment, business interruption and general liability bundled for small to mid-size practices.
Medical Equipment
Diagnostic and imaging equipment, dental chairs, surgical instruments and specialized devices against damage, theft and breakdown.
Business Interruption
Lost income when a covered event like fire or natural disaster prevents you from seeing patients.
Commercial Auto
Practice vehicles used for home health visits, mobile services or specimen transport, including hired and non-owned auto.
Workers' Compensation
Clinical and administrative staff injuries such as needle sticks, patient-handling injuries and slip-and-fall accidents.
Employment Practices Liability
Employee claims of discrimination, harassment, wrongful termination and retaliation.
Coverage for every healthcare discipline
Programs from solo practitioners to large multi-specialty clinics.
Physicians and surgeons
Primary care, specialists, surgeons and physician groups.
Dentists and oral surgeons
General dentistry, orthodontics, periodontics, oral surgery and dental specialties.
Mental health professionals
Psychologists, psychiatrists, counselors, social workers and therapists, including telehealth.
Physical and occupational therapy
PT and OT practices, rehab centers and sports-medicine clinics.
Optometrists and ophthalmologists
Vision care, eye-surgery centers and optical practices.
Home health and hospice
Agencies and providers delivering care in patient residences.
Nurse practitioners and PAs
Advanced-practice nurses, physician assistants and mid-level providers, employed or independent.
Chiropractors and acupuncturists
Chiropractic, acupuncture, naturopathic and integrative-medicine practices.
Urgent care and walk-in clinics
Urgent care centers, retail clinics and walk-in facilities with high volumes.
Brokers who understand medicine and risk
Healthcare focus
We understand the regulatory environment providers work in across Washington, Oregon and the Pacific Northwest, and place coverage with specialized medical liability markets.
Credentialing and claims advocacy
Quick, accurate proof of coverage for hospital privileges and insurance panels, and guidance through the process when a patient files a complaint or lawsuit.
Tail coverage and risk management
Retiring, changing jobs or closing a practice? We arrange extended-reporting-period (tail) coverage so past care stays protected, plus consent-form guidance and documentation best practices.
Ready for healthcare professional insurance?
Request a coverage review and quotes from a team that understands medical liability. Free consultation, no obligation. You can also email info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, medical, tax or coverage advice, a statement of coverage, an offer or a binder, and the coverage builder is a starting point for discussion rather than a quote. Scenarios and dollar figures are illustrative examples, not representations about any practice. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.