Virtual Care Insurance for Healthcare Providers

Virtual care insurance and support for your evolving patient care interactions

HUB International’s healthcare specialists have deep expertise in healthcare and technology: We understand how risks intersect in this fast-changing environment. That allows HUB to help healthcare organizations obtain the right virtual care insurance coverage.

Whether your organization is a virtual care startup or an established provider, medical practice or international health system, HUB has the experience and knowledge to meet your specific needs.

We provide the following risk management and insurance for virtual care organizations:

• Virtual care medical professional liability
• Technology errors and omissions (E&O)
• Products liability
• Cyber liability and date security
• General liability
• Management liability (D&O, EPLI, etc.)
• PPP and other government program assistance

Our comprehensive assessment of the operational, financial and strategic risks of organizations like yours helps you understand the risk management challenges you face and help overcome them — now and in the future.

Protecting against emerging risks

With the COVID-19 pandemic, virtual care utilization has exploded. It’s become a lifeline for patients and healthcare providers alike. Beyond the pandemic, virtual care will continue to play a critical role, as it provides safe interactions and greater access to care, and lowers costs.

However, it is important to consider the following issues associated with insurance for virtual care organizations:

• Insurers may be reluctant to cover — and may seek to exclude — virtual care consultations involving COVID-19 or other conditions.

• It may be unclear if virtual care insurance policies extend to bodily injuries that arise from healthcare services and technology activities, depending on the policy structure and design.

• Patient Compensation Fund (“PCF”) states have specific rules and regulations that may complicate compliance with both the PCF rules and those of CMS and state health departments.

• New risks continue to emerge, such as technology errors and omissions, as well as intellectual property rights and potential IP infringement.

• PII, PHI and other personal data are at high risk across any virtual health platform, while robust data security and cyber liability protection is a real and evolving risk.