Professional Liability
$1M / $3M
Medical malpractice for physicians, allied health, and facilities — claims-made or occurrence, with tail options reviewed before you switch carriers.
Specialty Program
Insurance for healthcare practices and providers.
Medical practices, clinics, home care agencies, and allied health providers face professional, regulatory, and privacy exposure at once. Fortwell places programs that address all three.
Coverage for healthcare
Professional, premises, and privacy exposure — placed together.
General Liability
$1M / $2M
Premises exposure for patients and visitors, coordinated with your professional policy so nothing falls between the two.
Cyber & Privacy
$1M+
HIPAA breach response, notification costs, regulatory defense, and ransomware coverage for practices holding protected health information.
Workers' Compensation
Statutory
Class-code accuracy for clinical and administrative staff, with needlestick and return-to-work protocols that hold your experience mod down.
Management Liability
$1M+
D&O, EPLI, and regulatory billing-error coverage for practice entities, groups, and healthcare boards.
Property & Equipment
Replacement cost
Medical equipment, tenant improvements, and business income for interruptions that keep the schedule from running.
Limits and terms are tailored to each operation, contract, and state. We confirm coverage requirements before binding so certificates are accepted on day one.
Why providers work with us
The details that decide a healthcare claim.
01
Credentialing-ready certificates
Hospitals, payors, and networks each want specific wording. We issue certificates that pass credentialing the first time.
02
Claims-made handled correctly
Retro dates, prior acts, and tail coverage are where practices get hurt in a carrier change. We map them before anything is bound.
03
Regulatory and HIPAA support
Breach-response planning and vendor review so a privacy incident is a process, not a panic.
Claims, Risk & Advisory
We don't just place coverage — we help you use it.
Our team works beside you before, during, and after a loss. From certificate compliance to claims advocacy and contract review, we turn insurance into a practical business tool.
Claims Advocacy
When a loss happens, we manage the notice, coordinate with adjusters, and push for accurate reserves. Our goal is to protect your experience modification and keep your business running.
Learn moreRisk Management & Consulting
We review contracts, certificates, and owner-controlled insurance programs before work starts. Our consulting helps you negotiate better terms, close gaps, and reduce exposures before they become claims.
Learn moreCertificates & Compliance
Same-day certificates of insurance, additional insured endorsements, and subcontractor compliance tracking that keeps your job sites and contracts moving without delay.
Learn moreBonds
Contract, commercial, and license bonds placed with surety markets that understand contractors and growing businesses. We package financials so you can bid and bond with confidence.
Learn more