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Medical Practice Insurance

Taking care of your risks so you can take care of your patients.

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Spotlight on: Insurance for Medical Practices

In today’s litigious society, your medical practice faces a broad spectrum of risks.

From malpractice and sexual abuse to property risks and other liabilities, your medical practice has many threats to contend with.

That’s why Higginbotham offers risk management and insurance solutions for medical practices in mind.
We begin with listening and end with customized solutions that help solve the hefty legal and regulatory challenges you face.

We get to know you by name and nuance so we deliver the risk management support you need.

Why Higginbotham? Because we care about you as much as you care for your patients.

Employee-owned and customer inspired, we make caring for your business our business.

That’s why we get to know you by name, need and nuance. That’s why we keep up with advances in medical technology, regulation changes and widespread health scares. And that’s why we begin with listening and end with customized solutions.

We understand the power of being more individual and less institutional.

No matter your specialty, we’ll work hard to understand your priorities so we can get you covered on day one and provide year-round value with Day Two Services®. By committing to transparency while demonstrating authenticity, we’re a place that leads with values so value leads.

To learn more about how our values-based approach creates value for you and your business, click here.

Or visit our Insights page to learn more about health care risk management.

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You deserve an innovative insurance partner who understands your practice.

Our seasoned medical practice insurance professionals start with listening and end with customized solutions.

We put our creativity to work for you to deliver a holistic risk management plan built for you.

That means our work doesn’t stop after we secure your coverage.

We deliver year-round value with our Day Two Services® that support your risk management efforts throughout the term of your insurance policy. We help you prevent and minimize loss—not just cover it.

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Medical Practices and Organizations We Serve

Advanced Medical Technology Companies

Allied Facilities and Individual Practitioners

Hospitals and Health Care Systems

Large and Small Physician Groups

Social Service Agencies with Health Care Units

Senior Care Facilities (Independent and Assisted Living)

Home Health Organizations

Rehabilitation Centers

Medical Laboratories and Facilities

Surgery Centers

Mental Health/Intellectual Disability Facilities

Diagnostic Centers

We had worked with a small broker who handled our renewal each year. I never got the feeling he was working for us. We knew we needed someone to look out for our best interest, and Higginbotham saved the day.

Monique D.
Controller, Staffing Industry

Our Medical Practice Insurance Carrier Partners

Designing an insurance program that covers all the risks that threaten your medical practice can be a challenge. With our deep insurance carrier relationships, specialty programs and healthcare industry experience, we help you get the customer coverage you need.

Texas Medical Liability Trust (TMLT)

ACE Medical Risk

CNA HealthPro

Chartis

Medical Protective

The Doctors Company

Pro Assurance

Many Others

Coverage for Doctors and Health Care Professionals

Whether you’re exploring your options before renewal or looking to place coverage for the first time, you probably have questions.

Regardless of where you are in your insurance journey, we have the insight you seek.

While insurance needs vary from practice to practice, these coverage options are wise to consider.

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Malpractice Insurance/Professional Liability

If you render professional advice or consult for a living, you may need professional liability insurance. Also commonly known as “errors and omissions” (E&O), this coverage can help with the costs of a legal claim filed due to an error or negligence.

Abuse and Sexual Misconduct Insurance

Sexual misconduct insurance protects against the financial risks of sexual abuse or misconduct. Should an employee of your practice be named in a lawsuit for these reasons, this coverage can help with legal defense costs, settlements and judgments.

High-Valued Equipment

Designed to protect high-value devices and machinery, high-value equipment insurance can help cover the cost of repairing or replacing your medical equipment if it’s damaged, lost, stolen or destroyed.

Privacy and Data Recovery (Cyber Risk)

Also known as “electronic data recovery insurance,” privacy and data recovery coverage can help with the costs of recovering from a data breach or loss. Whether your office computer’s hard drive stops working or your practice falls victim to a phishing attack, privacy and data recovery coverage can help pay to get your data back.

Loss of Income

Business income insurance is an essential protection for all businesses. This insurance helps cover operating costs throughout the recovery period following a covered claim. In addition to lost income, this insurance can pay for rental of temporary office space and other costs associated with a business interruption.

Mobile Equipment

Mobile equipment coverage can help with the cost of repairing or replacing mobile medical equipment if it’s lost, damaged or stolen.

 

Directors and Officers (D&O)

Ranking alongside business income insurance as one of the most essential protections a business can carry, D&O can cover the financial risks involved with serving as a director or officer of an organization. Designed to mitigate the costs of a lawsuit, directors and officers insurance can help with legal fees, settlements and judgments.

Employment Practices Liability Insurance (EPLI)

EPLI coverage can help with the costs of employee lawsuits filed for a broad spectrum of labor and employment practices, including:

  • Discrimination
  • Sexual Harassment
  • Breach of Employment Contract
  • Wrongful Discipline
  • Infliction of Emotional Distress
  • Wrongful Termination

While some business owners’ policies offer endorsements tailored to this risk, it’s often wiser to carry a standalone EPLI policy to cover your bases.

Medicine and Vaccine Spoilage Coverage

This specialty health care coverage helps with the costs resulting from medicine and vaccine spoilage. From a power outage taking out your refrigeration to inventory outlasting its shelf life, medicine and vaccine spoilage insurance can help pay to replace your spoiled products.

Health Care Risk Management

Managing risk is a moving target because your environment changes from patient to patient. With effective patient care practices and operational procedures developed by our health care risk specialists, we can help you reduce treatment errors, improve staff safety and stay on top of legislation regarding OSHA, HIPAA, HITECH and other health care industry regulations.

Meet Our Medical Industry Insurance Practice Leader

Curtis Page is a commercial insurance broker with more than 40 years of broad experience in property and casualty, professional liability, cyber liability, directors and officers and employment practices coverage lines. He has concentrated experience in healthcare, serving as the firm’s Healthcare Practice Leader.

In 2019,he received the Distinguished Service Award from the Independent Insurance Agents of Austin. He currently is a board member and Executive Leadership Committee member for the American Heart Association Stroke/Heart Walk; 2020 walk executive committee chair of Alzheimer’s-Texas; board member of WeAreBlood, chair for the People’s Community Clinic; board member of the Independent Insurance Agents of Austin, Austin Gives council and chair for the Central Texas Arthritis Foundation. Curtis has also served on the advisory boards of Helping Hand Home for Children, St. David’s Foundation and Goodwill of Central Texas. He is a member of Covenant Presbyterian Church, the University of Texas Ex-Students Association, and the Longhorn Foundation.

He graduated from The University of Texas in 1977 and became a Certified Insurance Counselor (CIC) in 1985 and a Certified Risk Manager (CRM) in 2001.

Managing Director
Curtis Page
Managing Director, LinkedIn
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Work with a medical practice insurance specialist who knows your industry.

A great plan starts with a conversation. Let’s talk about what you need.

Talk to a Medical Industry Specialist

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