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Insurance for Health-Tech, Built for Patient Trust

Protect healthcare software, patient data, clinical workflows, and leadership decisions with coverage built for high-trust digital health companies.

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Why Health-Tech Companies NeedCoverage Built for Patient Data, Care Workflows, and Vendor Review

Clinical workflow risk

When software supports care delivery, outages and bad data can escalate beyond a normal SaaS dispute.

PHI and privacy

Protected health information brings HIPAA, breach response, and regulatory-defense requirements into the stack.

Enterprise healthcare

Hospitals, payors, and providers usually expect higher limits, tight COIs, and clear security posture.

Common Risk Triggers for Health-Tech Companies: HIPAA, Clinical Workflows, and Enterprise Healthcare Procurement

The hospital contract

Insurance Packages That Slot Perfectly Into Health-Tech Companies

Pre-Seed & Seed

Core protection for you and your product

Policies included in this package:

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Series A

Protects you, your board, and helps you close bigger deals

Policies included in this package:

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Growth Stage

Protection for leadership risk, transactions, and scale

Policies included in this package:

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Custom Package

Know exactly what you need?

Pick the policies that fit your business best

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Core Insurance Packages for Health-Tech Companies

From HIPAA reviews to hospital contracts, these policies help health-tech teams protect patient data, software performance, leadership, employees, and operations.

Commercial General Liability (CGL)
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Commercial General Liability (CGL)

Protects your business against third-party claims for bodily injury, property damage, and personal or advertising injury arising from your operations.

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Cyber Liability
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Cyber Liability

Protects against losses and claims resulting from data breaches, cyberattacks, and network security failures.

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Tech & AI Liability
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Tech & AI Liability

Covers claims alleging your technology products or services failed to perform as intended, causing financial harm to a client.

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Directors & Officers
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Directors & Officers

Covers claims made against company leaders for alleged wrongful acts in managing the business.

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Employment Practices Liability (EPLI)
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Employment Practices Liability (EPLI)

Protects against claims alleging wrongful termination, discrimination, harassment, or other employment-related issues.

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Fiduciary Liability
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Fiduciary Liability

Protects your company and plan fiduciaries against claims alleging mismanagement of employee benefit plans, including retirement and health plans.

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Media Liability
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Media Liability

Protects against claims arising from your published or distributed content, including allegations of defamation, copyright infringement, or invasion of privacy.

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Hired and Non-Owned Auto (HNOA)
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Hired and Non-Owned Auto (HNOA)

Provides liability coverage when employees use rented or personal vehicles for company business.

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Health-Tech Claims ScenariosClinical Errors, PHI Breaches, and Platform Outages

The algorithm error

A customer alleges your analytics or decision-support tool produced incorrect results that affected care operations.

The HIPAA breach

A misconfiguration exposes patient records and triggers notification, legal, and third-party response costs.

The telehealth outage

A system crash disrupts scheduled sessions, and a partner alleges lost revenue and operational harm.

Explore Our Services by Industry

FAQ

Health-tech startups need Technology Errors & Omissions (E&O) for software liability, Cyber Liability with HIPAA-specific coverage for protected health information (PHI) breaches, Directors & Officers (D&O) insurance, and General Liability. Corgi covers companies classified as Software as a Medical Device (SaMD) that may also need product liability or professional liability coverage.
Yes. If your platform stores, processes, or transmits protected health information (PHI), you are subject to HIPAA regulations. Corgi's cyber insurance with HIPAA-specific endorsements covers breach notification costs, regulatory defense, and penalties from HHS investigations. Most hospital and payor partners will require proof of this coverage before integration.
Technology E&O for healthcare software covers claims when your product causes operational disruption or harm in clinical settings. This includes allegations that your software produced incorrect clinical decision support, failed during critical care workflows, or caused a provider to make an error based on faulty data or system downtime. Corgi's policy is built for these high-stakes scenarios.
Yes. Telehealth platforms face unique risks including service interruptions during patient consultations, privacy concerns with video-based care, cross-state licensing compliance, and potential allegations of facilitating substandard care. Corgi covers both the technology platform risks and the regulatory complexities of delivering care across jurisdictions.
Health-tech companies need cyber coverage that specifically addresses PHI breach response including HIPAA-mandated notifications, HHS regulatory defense costs, forensic investigation of healthcare data incidents, and business interruption from ransomware attacks targeting healthcare systems. Healthcare data breaches carry among the highest per-record costs of any industry. Corgi's comprehensive package is built for that severity.
If the FDA classifies your software as SaMD, you usually need a Tech E&O policy with affirmative SaMD wording rather than relying on standard product liability. The classification tier (Class I, II, or III) drives how aggressive carriers will be on limits, exclusions, and clinical oversight requirements. See Technology E&O for how Corgi structures coverage when your software is itself the medical device.
Clinical trial insurance is its own line. It covers bodily injury to trial subjects, sponsor-investigator liability, and protocol-related claims that Tech E&O explicitly excludes. If you're running or sponsoring trials (even decentralized digital ones), you need a dedicated clinical trial policy alongside your software E&O. Corgi can sit alongside a clinical trial program and cover the technology-platform exposures that the trial policy won't pick up.
Post-market surveillance findings, MDR reporting failures, and software recalls can trigger both regulatory defense costs and third-party claims from affected providers or patients. Recall coverage and FDA investigation defense are usually endorsements you have to ask for. They're not automatic. See Technology E&O and Cyber Liability for how Corgi structures the defense side of a post-market event.
Beyond a generic cyber policy, you want Cyber Liability with BAA-aligned wording, OCR investigation defense, regulatory fine coverage where insurable, and explicit PHI breach notification limits that match your covered-lives count. Most enterprise hospital and payer partners will ask to see this at integration, and the BAA you sign with them often references specific minimum limits. Corgi's health-tech cyber is built to satisfy those vendor requirements out of the box.

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