of healthcare businesses that switch carriers do so without proper tail coverage — leaving years of potential claims exposed
Claims-made policy nuances, HIPAA cyber exposure, and employment practices liability hit healthcare businesses harder than any other industry. A free review finds the gaps before a claim does.
Get Your Free Healthcare Coverage Review →Send or upload your current policy — a licensed DANESURE broker reviews it and sends your Cost & Risk Report within 24 hours. No portal login required.
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Healthcare has more coverage complexity than almost any other industry — and more ways for a standard broker to miss something critical.
Claims-made policies only cover claims reported while the policy is active. Occurrence policies cover incidents that happened during the policy period, regardless of when the claim is filed. Most healthcare organizations don't know which they have — or what happens when they switch carriers without tail coverage.
Healthcare organizations are the #1 target for ransomware and data theft. The average HIPAA breach costs $4.45M in notification, regulatory fines, and legal defense — and most standard cyber policies don't fully cover healthcare-specific exposures. Many have sub-limits specifically for healthcare data.
Employment practices liability claims — wrongful termination, discrimination, harassment — occur at 3x the rate in healthcare compared to other industries. Caregiver relationships, shift work, and high-stress environments all contribute. Most healthcare organizations are significantly underinsured for this exposure.
We review your professional liability, cyber, EPLI, and general liability policies — checking policy type (claims-made vs occurrence), tail coverage status, cyber sub-limits, and EPLI adequacy against current benchmarks for Phoenix healthcare organizations.
With Phoenix's growing healthcare sector and an increasingly active plaintiffs' bar, the cost of coverage gaps in healthcare has never been higher. A free review costs nothing. Discovering a gap after a claim costs everything.
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