--- title: "Healthcare Providers" description: "Insurance help for clinics, medical practices and telehealth providers: malpractice that names your clinicians, plus liability, cyber, workers’ compensation and auto." canonical: "https://spot.insure/insurance-for/healthcare-services" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-for/healthcare-services) ## Agent Guide **What this page is:** Insurance help for clinics, medical practices and telehealth providers: malpractice that names your clinicians, plus liability, cyber, workers’ compensation and auto. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for Healthcare Providers Get quotes from healthcare services insurance providers with Spot. We line up malpractice and practice coverage before you hire a clinician, open a clinic or launch telehealth, then keep renewals on track. - Malpractice proposals checked for each clinician and specialty - Clinic, telehealth and home-visit work described separately - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=medical-malpractice&industry=healthcare-services&icp=healthcare). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **List every clinician and service.** Your Spot team records each clinician’s specialty, procedures, work arrangement and care location, plus the entities that employ or contract them. 2. **See who each malpractice quote covers.** Brokers take your submission to market, and Spot lines up which clinicians, entities and services each proposal names, whether it’s claims-made, and what reporting extension it offers. 3. **Check facility and customer contracts.** When a facility or customer contract sets limits or asks for a certificate, Spot checks the named entities, clinician roles and locations against your policies before the certificate goes out. 4. **Ask us before you hire or expand.** Message your Spot team in Slack before you hire, add a location or bring on a new vendor, and they’ll flag what the change means for your policies. ## Who we help - **Clinics and group practices.** You lease a clinic, see patients and employ clinical and support staff, so premises, malpractice and workers’ compensation questions all apply. - **Telehealth providers.** Clinicians and patients sit in different states, and vendors handle your records and calls. - **Home and mobile care.** Staff drive to patients’ homes, carry equipment and work away from a single site. - **Practices adding specialties.** A new specialty or procedure changes what your malpractice coverage needs to name. ## Coverage - [Medical malpractice](https://spot.insure/insurance/medical-malpractice) - [Virtual care and telehealth](https://spot.insure/insurance/virtual-care-telehealth) - [General liability](https://spot.insure/insurance/general-liability) - [Cyber liability](https://spot.insure/insurance/cyber) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) - [Commercial auto](https://spot.insure/insurance/commercial-auto) ## When to get this coverage - **You’re hiring your first clinician.** Ask which people and entities the malpractice forms name, and check claims-made dates and reporting extensions. - **You’re opening a clinic.** Add the address, services, equipment, staff and patient flow so premises, care, data and employee exposures are each quoted. - **You’re launching telehealth.** List where clinicians are licensed, where patients are located and which vendors handle records or calls, and ask whether the quote covers professional liability for remote care. - **Staff make home visits.** Describe owned, rented and employee vehicles used for care, and confirm drivers and limits on the auto quote. - **You have one employee in California.** California requires workers’ compensation even with one employee. Check every other state where people work. ## Common questions Also known as healthcare services insurance, healthcare provider insurance, medical practice insurance, physician practice insurance, clinic insurance and medical clinic insurance. ### What does medical practice insurance usually include? Malpractice for your clinicians is the core, with general liability for the premises, cyber for patient records, workers’ compensation for staff and auto if you send people to patients. Telehealth adds its own questions. Spot builds the list from who provides care and where. ### Does a malpractice policy cover every clinician in the practice? Don’t assume it does. Spot checks which clinicians, entities and services each proposal names before you bind. ### Does general liability cover a patient’s claim about care? No. General liability handles premises and certain third-party injuries. Care decisions are a malpractice question. ### Do our scheduling and telehealth vendors affect our cyber insurance? Yes. Vendors that handle patient information are part of your cyber review. We map them before comparing incident costs, customer claims and sublimits. ### Which records should our practice send? Send your clinician roster with specialties, your locations and services, staff and payroll by state, any vehicles used for care, and the vendors that handle patient data. ### Does working with Spot mean dropping our broker? No. Your broker can keep placing your policies, and Spot takes no commissions on premiums. You can also move to a broker who knows practices better. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/healthcare-services.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)