Health Care

Health care is a poignant topic because people trust their providers with their most private information and life-altering matters.  It is an emotionally charged environment where one adverse outcome could end your practice.

Our knowledge of health care industry risks comes from consulting for nonprofit and for-profit medical facilities in 13 states and with diverse practices, including:

  • Advanced medical technology
  • Allied facilities and individual practitioners
  • Hospitals and health care systems
  • Large and small physician groups
  • Social service agencies with health care units
  • Senior care facilities (independent and assisted-living)
  • Rehabilitation centers (physical therapy, drug and alcohol treatment)
  • Medical laboratories and facilities
  • Surgery centers
  • Diagnostic centers
  • Mental health/mental retardation facilities

Most standard insurance carriers don’t have the resources to keep up with advances in medical technology, regulation changes and wide-spread health care scares. But Higginbotham represents niche health care underwriters and carriers with specialty programs:

  • Texas Medical Liability Trust (TMLT)
  • ACE Medical Risk
  • CNA HealthPro
  • Chartis
  • Medical Protective
  • The Doctors Company
  • Pro Assurance

Because we have access to specialized underwriters, we can deliver insurance products to protect against the risks you encounter—no matter what your health care discipline.


Common Health Care Coverages

  • Professional Liability including Medical Malpractice
  • High-valued Equipment
  • Privacy and Data Recovery
  • Loss of Income
  • Mobile Equipment
  • Directors  and Officers (D&O)
  • Employment Practices
  • Spoilage for Medicines and Vaccines


Risk Management

Managing risk is a moving target because your environment changes from patient to patient. But with effective patient care practices and operational procedures developed by our health care risk specialists, we can help you reduce treatment errors, improve staff safety and stay on top of legislation regarding OSHA, HIPAA, HITECH and other health care industry regulations.