Spot for Healthcare IT Companies

Get quotes from 50+ healthcare IT insurance providers with Spot

Before you sign a business associate agreement, we get cyber and tech quotes through brokers and compare them with you on more than price.

  • Contract commitments checked against cyber and tech E&O
  • Provider security questionnaires answered with your policies
  • Keep your broker or switch, with no commissions on premiums
A software engineer works at a laptop as a clinician leans in to point.

How Spot helps Healthcare IT Companies

List your data, vendors and service promises

Your Spot team lists each customer entity, vendor and data flow, along with every uptime, backup, data-return and security commitment in your service agreements.

Orbit SoftwareOrganized by Spot
Travelers
The Hartford
Chubb

Read the BAA and security addendum

Send the customer’s business associate agreement or security addendum. Spot compares its notice duties and requirements with your cyber and tech E&O terms and flags the gaps before you sign.

Technology errors and omissions (E&O) insurance

Orbit Software · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Make sure cyber and tech E&O fit together

When brokers bring back proposals, Spot asks which terms address your own incident costs and which address claims about your software, so the two policies fit together.

Chubb
The Hartford
TravelersQuote request

Technology errors and omissions (E&O) insurance

Professional services · Claims-made terms

Orbit Software

Get answers for your next security review

Ask the Spot agent what your cyber policy says about vendor-held data, or message your Spot team in Slack when a provider’s procurement team needs proof of insurance.

# spot-support

TaylorOrbit Software

What do we need to request technology errors and omissions (e&o) insurance quotes?

RileySpot

Let’s prepare the information for your broker and compare the terms, not just the price.

How buying insurance works for Healthcare IT Companies

  1. 01

    Tell us about your business

    Share what you do, where you work, the policies you have and any contracts that ask for insurance.

  2. 02

    We write up your application

    Spot turns it into an application that describes your business the way insurers need to see it.

  3. 03

    We get quotes from insurers

    Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.

  4. 04

    Compare your quotes

    We put the quotes side by side on limits, exclusions and terms as well as price.

  5. 05

    Buy your policy and get certificates

    You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.

Healthcare IT Companies we help

  • EHR, scheduling and billing software

    Providers run records, appointments or revenue on your product and can bring a claim if it fails.

  • Cloud and data infrastructure vendors

    Maintaining ePHI for a covered entity can make you a business associate even when the data is encrypted.

  • Patient-facing apps sold to providers

    Your service sits between a provider and their patients, with data and uptime promises in both directions. If clinicians deliver care through your product, telehealth coverage belongs in the conversation too.

  • Implementation and support teams

    Your staff install and support systems at care sites, which adds customer-site and third-party property exposures to the software itself.

Insurance Healthcare IT Companies usually carry

The policies companies like yours are usually asked for, and when each one comes up.

  • Technology errors and omissions (E&O)

    A provider relies on your software for records, scheduling, billing, diagnostic workflows, or patient-facing services.

  • Cyber liability

    Your product or a subcontractor creates, receives, maintains, or transmits electronic protected health information.

  • General liability

    You open an office or data center, host customer visits, or send staff to install or support systems at care sites.

  • Commercial property

    You lease an office or own servers, networking equipment, or other physical business property.

  • Virtual care and telehealth

    Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review.

Insurers that quote Healthcare IT Companies

Get quotes from 50+ healthcare IT insurance providers with Spot.

  • AIG
  • Alliance Risk
  • Amelia Risk
  • Aon
  • At-Bay
  • Beazley
  • Berkshire Hathaway Specialty Insurance
  • And many more

When Healthcare IT Companies need insurance

  • 01

    A provider sent a business associate agreement

    Map the data you’ll handle and compare its notice and response duties with your cyber terms.

  • 02

    You’re committing to an uptime SLA

    Ask how tech E&O treats a claim that an outage disrupted a customer’s workflow.

  • 03

    You’re adding a clinical feature or cloud vendor

    A change in the ePHI you handle or who hosts it can change your application. Review it before launch.

  • 04

    Your team installs systems at care sites

    Check that general liability lists customer sites, installation work and third-party property.

Questions from Healthcare IT Companies

Also known as healthtech insurance, health tech insurance, digital health insurance, health IT insurance and healthcare software insurance.

What insurance does a digital health company need?

Cyber and tech E&O usually lead, because hospitals and health plans ask for both in their contracts. Add general liability and property for your team and office, and virtual care coverage if clinicians see patients through your platform. Spot maps each to your agreements.

Does signing a BAA mean our insurance covers a breach?

No. A business associate agreement sets responsibilities between you and the customer. Your cyber policy’s terms decide what’s covered.

What’s the difference between cyber and tech E&O for us?

Cyber addresses data incidents and their costs; tech E&O addresses claims that your software service failed. Spot maps each scenario to the exact terms rather than treating the names as interchangeable.

Are we a business associate if the data is encrypted?

You can be. Under HHS guidance, a cloud provider that maintains ePHI for a covered entity can be a business associate even when the data is encrypted.

Which contracts and data maps should we gather?

Gather your customer contracts, data flows, vendors, service levels and office or equipment locations. Your Spot team writes the submission from them.

Can our current broker still place our cyber and tech E&O?

Yes. Spot works alongside your broker, doesn’t replace them and takes no commissions on premiums. If they rarely place health tech business, you can switch to a broker who does.

Get insurance off your to-do list.

Get quotes from 50+ healthcare IT insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.

Get Started