Cyber insurance for Florida medical practices, tuned to HIPAA reality.
PHI is the most regulated data a small business can hold, and practices run on systems that cannot afford downtime. We quote cyber coverage that funds HIPAA breach response, OCR defense, and the days your schedule stops.
Why medical practices are buying cyber now
The push rarely comes from the IT department
HIPAA, on every covered entity
The Security Rule expects safeguards and the Breach Notification Rule sets the response duties. Cyber insurance is how small practices fund a compliant response.
Hospital systems and payers
Affiliation, payer, and business associate agreements increasingly include cyber insurance requirements with specific limits.
Your EHR and vendors
Business associate breaches still leave the practice with patient-facing duties, and vendor contracts rarely make you whole.
What actually goes wrong
The loss patterns we quote against, and the coverages that respond
PHI breach response
HIPAA requires notifying affected patients without unreasonable delay and within 60 days, with HHS notification and, when more than 500 residents of a state are affected, media notice. The policy funds forensics, mailing, call centers, and credit monitoring.
Ransomware downtime
When the EHR or imaging systems lock up, appointments stop but payroll does not. Business interruption coverage addresses the income gap recovery leaves.
Regulatory defense
OCR investigations and state attorney general inquiries follow notifications. Regulatory defense and penalties coverage (where insurable) responds.
The rules a breach activates
Coverage is one half; these duties are the other
HIPAA Breach Notification Rule
Patient notification without unreasonable delay (60-day outer limit), HHS reporting, and media notice when more than 500 residents of a state or jurisdiction are affected.
FIPA (Fla. Stat. 501.171)
Florida adds its own duties: the Department of Legal Affairs must be notified within 30 days when 500 or more Florida residents are affected, and practices relying on HIPAA's notice timing must still timely provide Florida a copy of the notice.
Think you're already covered? Upload the policy and see.
Most GL, BOP, and professional liability policies now carry explicit cyber and electronic-data exclusions. Upload your current policy and our AI shows you, in plain English, which losses it would leave you to pay for.
This free policy check is an informational preview, not a complete coverage evaluation or a determination of how any claim would be decided. AI-generated analysis is not insurance or legal advice; always confirm coverage with your carrier or a licensed broker. Your upload is encrypted and never sold, and anonymous uploads are deleted if you don't create an account within 24 hours.
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Other Florida industries we quote
Cyber risk looks different in every profession. Pick yours.
Frequently asked questions
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Get a Cyber QuoteTruscott Inc., d/b/a Truscott Insurance Solutions, is an independent Florida-licensed insurance agency (FL agency license L136441). Coverage descriptions and legal references on this page are informational summaries, not insurance or legal advice; actual terms are governed by the issued policy, and statutes and regulations may change. Industry cost figures are attributed averages, not quotes.