Protect Your Healthcare Organization Before a Cyberattack Costs You Everything
Cyber Insurance Group builds cyber liability coverage around the real risks healthcare organizations face, not a generic policy. Licensed in 28 states, backed by 12+ A-rated carriers.
Compare your business across 12+ A-rated carriers in about 4 minutes, free and with no obligation. Your submission goes to a licensed agent who works cyber liability every day.
Technology Moved Faster Than Your Coverage Did
Most healthcare organizations we talk to haven’t thought about cyber risk until something already went wrong, or almost did.
You store customer data (names, payment info, maybe health records) and you’re not sure what your real exposure is if it’s breached.
You accept online payments or run point-of-sale systems, but have never confirmed whether a payment compromise is actually covered.
You’ve never been walked through what a ransomware attack would actually cost you in downtime, recovery, and lost business.
Your current policy, if you have one, was written before remote logins, cloud tools, and phishing emails became part of daily business.
We shop your coverage with A-rated carriers like
Why Healthcare Breaches Cost More Than Any Other Industry’s
Healthcare organizations of every size handle protected health information, financial records, and insurance data, putting them squarely in the crosshairs of ransomware groups that know disrupted patient care creates pressure to pay. Under the HIPAA Security Rule (45 CFR Parts 160 and 164) and the HITECH Act’s breach notification requirements, healthcare organizations must safeguard electronic health records and report qualifying breaches to HHS and affected patients within 60 days of discovery.
Healthcare has carried the highest average data breach cost of any industry for 15 straight years, $7.42 million per incident according to IBM’s 2025 Cost of a Data Breach Report, well above financial services ($5.56M) and industrial ($5.00M). That is part of why cyber liability coverage is worth evaluating alongside your compliance program rather than after an incident.
Our Comprehensive List of Cyber Coverage Operations
Don’t leave your organization’s security to chance. Explore our comprehensive list of coverage operations.
First-Party Coverage
If your systems go down or your data is stolen, this pays to get you back up and running, covering data recovery, lost income during downtime, and extortion demands, not just the IT bill.
See What’s CoveredThird-Party Coverage
If someone sues you because their data was exposed through your business, this covers your legal defense, regulatory fines, and settlement costs instead of coming out of your own pocket.
See What’s CoveredAdditional Coverages
Round out your policy with crisis PR support, breach-prep services, and employee security training, the pieces that keep a bad day from becoming a bad year.
See What’s CoveredThe Cyber Insurance Group Match
Our named process for finding the right coverage for your healthcare business, fast and without the guesswork.
Tell us about your business
We ask what data you handle, what systems you run, and where your actual exposure lives before we talk price.
We match you across carriers
We compare options across 12+ A-rated carriers and explain the differences in limits, exclusions, and deductibles.
You’re protected
Nothing is bound until you approve. Once covered, we track renewals and revisit coverage as your business grows.
Real Cyberattacks on Healthcare Businesses
If you run a healthcare practice, a cyber incident doesn’t just cost you money, it triggers a second layer of exposure under HIPAA that a generic business policy was never built to handle.
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2023First Choice DentalDental Practice Network
A ransomware attack on this Wisconsin dental network exposed sensitive patient information, leading to a class-action settlement of up to $1.225 million.
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2023OrthopedicsNYOrthopedic / Physical Therapy Practice
A ransomware attack and data breach at this ~20-location practice affected more than 656,000 individuals; the New York Attorney General separately fined the practice $500,000 for inadequate safeguards.
Source →
By the Numbers
- A record 725 healthcare data breaches of 500+ records were reported to HHS in 2024, the worst year on record for large healthcare breaches.HIPAA Journal, 2025 Healthcare Data Breach Report. Source
- Ransomware attacks on the healthcare sector increased 278% between 2018 and 2023, and nearly 80% of 2023 healthcare breaches resulted from hacking.HIPAA Journal, Healthcare Data Breach Statistics. Source
What This Means for Your Business
Healthcare practices are bound by HIPAA’s Security Rule and Breach Notification Rule. HHS can impose federal civil penalties on top of any state attorney general action, which is exactly what happened to OrthopedicsNY above: two separate enforcement exposures from one breach. Source.
Real Licenses, Not a Marketing Claim
Cyber Insurance Group is a brand of The Allen Thomas Group, independent since 2003 and holding active insurance licenses in all 28 states we serve. No single insurer signs our paychecks. With 12+ A-rated carriers to choose from, our job is matching your business to the coverage that actually wants it.
Carriers we work with include Chubb, Travelers, The Hartford, Liberty Mutual, Nationwide, Progressive, Cincinnati Insurance, Auto-Owners, AmTrust, and Western Reserve Group. Not every carrier writes in every state.
See our full state-by-state license numbers, or meet the team behind the site.
Before You Decide
The objections we actually hear from business owners, answered straight.
Do healthcare practices need cyber liability insurance?
A healthcare breach carries a second layer of exposure most businesses never face. HHS can impose federal civil penalties under HIPAA on top of any state attorney general action, so one incident can produce two separate enforcement tracks. A record 725 healthcare breaches of 500 or more records were reported to HHS in 2024, the worst year on record, so the base rate is not low.
What does cyber liability insurance cover for a medical practice?
Forensic investigation, the HIPAA breach notification process including notice to affected patients and HHS, regulatory defense when an enforcement action follows, ransomware and extortion response, and the income lost while scheduling and records systems are down. Credit monitoring for affected patients is normally funded too.
What does cyber liability insurance not cover for a healthcare practice?
It does not replace medical malpractice cover, which answers claims about clinical care rather than data. It will not fund the security improvements HIPAA already required you to have, and it does not retroactively cover a compromise that began before the policy incepted. Deliberate acts are excluded.
Is cyber liability insurance required by HIPAA?
No. HIPAA requires safeguards under the Security Rule and notification under the Breach Notification Rule; it does not require you to buy insurance. The distinction matters because HIPAA compliance does not pay for anything. The policy is what funds the forensics, the notifications and the defense when an enforcement action follows.
How much does cyber liability insurance cost for a healthcare practice?
Most small businesses pay between $400 and $8,000 a year, with the average landing around $1,500. For a practice the drivers are patient record volume, whether you host your own systems or rely on a cloud EHR vendor, and your access controls. See the full breakdown in our cost guide, or get a specific number for your practice.
Doesn’t HIPAA already cover this?
No. HIPAA requires you to maintain safeguards and can impose federal fines through HHS, but it doesn’t pay for forensics, breach notification, or a lawsuit. Cyber insurance is what actually pays those bills, HIPAA just raises the stakes if you don’t have it.
Ready to See What You’d Pay?
Independent agents, 12+ A-rated carriers, and a licensed cyber liability specialist reviewing your submission.
No cost to get a quote. Nothing is bound until you approve.
Which Kind of Practice Are You?
Healthcare is not one exposure. Some of these practices answer to a different rulebook entirely; the rest share HIPAA but hold completely different things and lose money in completely different ways.
Audiology
Half your workflow runs in manufacturer portals, and hearing aid serial numbers are protected health information in their own right.
See Audiology CoverageBehavioral Health & Addiction Treatment
42 CFR part 2 is stricter than HIPAA, a subpoena does not unlock the file, and the February 2026 compliance date has already passed.
See Behavioral Health CoverageChiropractic
Your records are built to leave, going out to attorneys and insurers on almost every injury case. Permitted to disclose is not the same as sent safely.
See Chiropractic CoverageDental Practices
The Security Rule scales to a small practice without excusing it. Lost chair time, not the lawsuit, is the loss that actually shows up.
See Dental Practice CoverageDermatology
HIPAA lists a full face photograph as an identifier in its own right, and your practice takes thousands of them.
See Dermatology CoverageOptometry
A clinic and a retail store in one building, under two sets of rules where satisfying one says nothing about the other.
See Optometry CoveragePhysical Therapy
Fixed capacity means a lost day is lost permanently, which makes the waiting period matter more than the limit.
See Physical Therapy CoverageVeterinary Practices
HIPAA does not reach you at all, which leaves fifty state breach laws and no federal floor underneath them.
See Veterinary CoverageMedical Billing & Revenue Cycle
You are a business associate, so your breach becomes every client practice’s breach on a 60-day clock that you start.
See Medical Billing Coverage