FAQs

Yes, once you have any employee in California, part-time included. There is no headcount threshold and no exemption for a single part-time hire. Practice owners themselves are treated differently, ...

Usually not. Injury tied to treatment generally falls under professional liability, while general liability tends to respond to non-treatment incidents like a slip-and-fall.

Often it is worth considering. Even a small practice holds patient records subject to HIPAA and CMIA, and a breach can be costly regardless of size. ...

It is California’s Medical Injury Compensation Reform Act, which caps noneconomic damages in medical malpractice cases. Assembly Bill 35, effective in 2023, replaced the old $250,000 cap with amounts ...

Typically yes. Professional liability responds to claims arising from patient treatment, which is usually the core exposure for a chiropractic practice.

Practices hold sensitive patient records subject to HIPAA and CMIA. A breach can trigger notification duties and costs, which cyber coverage is designed to help address. ...

Usually not. Malpractice, property, cyber, and workers’ comp are typically separate coverages that we coordinate into one program.

The state does not mandate it, but hospitals, credentialing bodies, and contracts often require it, so most practices carry it.

Yes, once you have any employee in California. For an owner-occupied building, check who is actually on your payroll versus a vendor's. A cleaner or handyman without their own ...

Often a business owners policy or commercial package can bundle them. Whether that fits depends on your size, industry, and property, which we can review with you. ...