Looking for Medical & Mental Health Insurance?
Protect your healthcare practice from malpractice claims, data breaches, regulatory issues, and professional liability. Get coverage for physicians, therapists, clinics, and mental health professionals.
What is Medical & Mental Health Insurance?
Medical and mental health insurance protects healthcare providers from malpractice claims, patient injuries, professional errors, and regulatory exposure. Because providers handle sensitive medical information and deliver clinical care, coverage typically includes medical malpractice, cyber liability for HIPAA compliance, and general liability for facilities. Hospitals, insurance panels, and state medical boards often require proof of active malpractice coverage before credentialing, admitting privileges, or reimbursement participation.
Medical Malpractice
Covers claims arising from treatment errors, misdiagnosis, delayed diagnosis, improper care, or alleged negligence in patient treatment.
HIPAA & Cyber Liability
Protects against data breaches, ransomware attacks, unauthorized access to patient records, notification costs, regulatory fines, and legal defense.
Facility & Premises Liability
Covers patient slips, falls, and non-medical injuries occurring in offices, clinics, or treatment facilities.
Certificates
Fast proof of insurance for hospitals, insurance panels, medical boards, and credentialing bodies.
Who Needs Medical & Mental Health Insurance?
- Physicians : Businesses requiring specialized insurance coverage
- Mental health therapists and counselors : Businesses requiring specialized insurance coverage
- Medical clinics and group practices : Businesses requiring specialized insurance coverage
- Healthcare specialists : Businesses requiring specialized insurance coverage
Why Harper?
Healthcare Risk Expertise
Harper understands clinical risk, malpractice exposure, patient safety concerns, HIPAA compliance, and licensing requirements.
Fast Proof for Credentialing
Hospitals and insurance panels often have strict timelines. We deliver certificates quickly to avoid delays.
Clear Malpractice Guidance
We explain claims-made vs. occurrence policies, limits, exclusions, and tail coverage in plain language.
Coverage Tailored to Your Specialty
Policies are aligned to your practice, primary care, mental health, therapy, surgery, or specialty medicine.
Frequently Asked Questions
What insurance do medical providers need?
Medical providers typically need malpractice insurance, cyber liability for HIPAA compliance, general liability for facilities, and workers’ compensation if they employ staff. Many practices also consider business overhead disability coverage.
Is medical malpractice insurance required?
Yes in most cases. Hospital privileges, insurance panels, and many states require malpractice coverage, often with minimum liability limits.
How much does medical malpractice insurance cost?
Mental health professionals typically pay $2,000–$6,000 annually. Physicians can pay anywhere from $5,000 to $50,000+ depending on specialty, location, claims history, and coverage limits.
What’s the difference between occurrence and claims-made policies?
Occurrence policies cover incidents that happen during the policy period, regardless of when a claim is filed. Claims-made policies only cover claims filed while the policy is active, requiring tail coverage when coverage ends.
Does insurance cover HIPAA violations?
Yes. Cyber liability can cover breach response costs, patient notification, credit monitoring, regulatory fines, and legal defense related to HIPAA violations.
Do I need tail coverage?
Yes if you have a claims-made policy and are retiring, changing carriers, or leaving a practice. Tail coverage extends protection for past services after the policy ends.