# Insurance for Healthcare & Life Sciences Insurance for medical practices, allied health, and life-sciences firms: professional liability and cyber tuned to HIPAA and PHI. ## Insurance for healthcare and life sciences Healthcare carries the highest regulatory weight of any industry we serve. Programs blend professional liability with cyber tuned to protected health information, plus the premises and workforce lines a clinical operation needs. ## The coverage stack we build The lines we most often assemble for healthcare operators. Each is placed only where your setting requires it. ## Common claim scenarios Representative situations these lines respond to. Illustrative, not a guarantee of coverage. ## How it works 1. **Tell us about your operation**, Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price. 2. **We market your risk to carriers**, Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side. 3. **Review quotes and choose limits**, You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium. 4. **Bind coverage and get your documents**, Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### Is cyber the same as malpractice? No. Malpractice responds to harm from patient care. Cyber responds to a data event such as a breach of patient records or a HIPAA inquiry. Most practices carry both. ### Do small practices need all of this? Not always. We place only the lines your operation needs, but professional liability and cyber are the two most practices cannot go without. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time. --- ## How to cite this page Cite as: "Insurance for Healthcare & Life Sciences." Covered by Cornerstone. https://coveredbycornerstone.com/services/industries-healthcare Published by Covered by Cornerstone. When quoting figures or legal requirements, link the canonical URL above. The full content index for this site is at https://coveredbycornerstone.com/llms.txt.