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Health-tech Startup Insurance: Protecting Outcomes & Privacy

Professional liability and HIPAA-ready insurance for health-tech startups. From remote monitoring to digital therapeutics, protect your company in a high-trust ecosystem.

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The "Blended Risk" Reality: Why Standard Insurance Fails

Health-tech combines software risk, privacy risk, and enterprise healthcare procurement—where vendor requirements are strict and incidents escalate fast.

Clinical Workflow Risk

When your product is embedded into care delivery, a bug or outage can trigger urgent escalations and third-party demands.

PHI & HIPAA Security

Sensitive data increases the stakes for security incidents, notifications, and legal response.

Vendor Contract Pressure

Hospitals and payors require strong limits, tight COIs, and security posture validation before integration.

High-Intent Health-tech Risk Triggers

Hospital Vendor Contract

A hospital system requires $5M–$10M in Tech E&O and Cyber limits before onboarding.

Security review & compliance

You’re asked for SOC 2, HIPAA controls, and proof of cyber coverage.

Scaling into enterprise

As you move upstream to larger providers, claims tend to be higher severity and more complex.

Our Packages That Protect Your Health-tech Company

Pre-Seed & Seed

Pre-Seed & Seed

Core protection for you and your product

What's included

  • General third-party claims (CGL)
  • Protects you and leadership decisions (D&O)
  • Protects you if your tech fails or causes a claim (Tech E&O)
  • Protects you if data is exposed or systems are breached (Cyber)
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Series A

Series A

Protect you, your board, and help you close bigger deals

What's included

  • Protects you and leadership decisions (D&O)
  • Protects you if your tech fails or causes a claim (Tech E&O)
  • Protects you for general third-party claims (CGL)
  • Protects you for marketing/content claims (Media)
  • Protects you from employee-related claims (EPLI)
  • Protects you if data is exposed or systems are breached (Cyber)
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Growth Stage

Growth Stage

Protection for leadership risk, transactions, and scale

What's included

  • Everything in Series A, with stage appropriate limits
  • Protects you for benefit plan responsibilities (Fiduciary)
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Critical Coverages for the Health-tech Stack

Technology errors & omissions

Technology errors & omissions

Covers professional liability arising from technology products or services.

Cyber

Cyber

Covers hacking, ransomware, and data privacy claims.

Media liability

Media liability

Covers content, advertising, and intellectual property risks.

Directors & officers

Directors & officers

Covers claims related to management decisions and corporate governance.

Health-tech Claims Scenarios

The HIPAA Breach

A stolen device or misconfiguration exposes patient records. You face legal response and third-party demands.

The Algorithm Error

A customer alleges your analytics or decision-support tool produced incorrect results that impacted operations and outcomes.

The Telehealth Outage

A system crash disrupts scheduled sessions. A partner alleges business losses and seeks damages.

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AI insurance

AI insurance

Stay ahead with AI liability coverage, model risk protection, and IP defense.

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Fintech

Fintech

Explore the crossroads of fintech with focused insights on money transfer, regulation, and digital asset security.

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Marketplace

Marketplace

Insurance for Marketplaces & Platforms. Safeguard your platform and users while navigating the gig economy's risks.

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Health-tech

Health-tech

HIPAA-compliant insurance to protect your business against data breaches and regulatory fines.

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SaaS

SaaS

Scale confidently with coverage tailored for software companies, from E&O to cyber liability.

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FAQ

Health-tech startups need Technology Errors & Omissions (E&O) for software liability, Cyber Liability with HIPAA-specific coverage for protected health information (PHI) breaches, Directors & Officers (D&O) insurance, and General Liability. Corgi covers companies classified as Software as a Medical Device (SaMD) that may also need product liability or professional liability coverage.
Yes. If your platform stores, processes, or transmits protected health information (PHI), you are subject to HIPAA regulations. Corgi's cyber insurance with HIPAA-specific endorsements covers breach notification costs, regulatory defense, and penalties from HHS investigations. Most hospital and payor partners will require proof of this coverage before integration.
Technology E&O for healthcare software covers claims when your product causes operational disruption or harm in clinical settings. This includes allegations that your software produced incorrect clinical decision support, failed during critical care workflows, or caused a provider to make an error based on faulty data or system downtime — Corgi's policy is built for these high-stakes scenarios.
Yes. Telehealth platforms face unique risks including service interruptions during patient consultations, privacy concerns with video-based care, cross-state licensing compliance, and potential allegations of facilitating substandard care. Corgi covers both the technology platform risks and the regulatory complexities of delivering care across jurisdictions.
Health-tech companies need cyber coverage that specifically addresses PHI breach response including HIPAA-mandated notifications, HHS regulatory defense costs, forensic investigation of healthcare data incidents, and business interruption from ransomware attacks targeting healthcare systems. Healthcare data breaches carry among the highest per-record costs of any industry — Corgi's comprehensive package is built for that severity.
If the FDA classifies your software as SaMD, you usually need a Tech E&O policy with affirmative SaMD wording rather than relying on standard product liability. The classification tier (Class I, II, or III) drives how aggressive carriers will be on limits, exclusions, and clinical oversight requirements. See Technology E&O for how Corgi structures coverage when your software is itself the medical device.
Clinical trial insurance is its own line — it covers bodily injury to trial subjects, sponsor-investigator liability, and protocol-related claims that Tech E&O explicitly excludes. If you're running or sponsoring trials (even decentralized digital ones), you need a dedicated clinical trial policy alongside your software E&O. Corgi can sit alongside a clinical trial program and cover the technology-platform exposures that the trial policy won't pick up.
Post-market surveillance findings, MDR reporting failures, and software recalls can trigger both regulatory defense costs and third-party claims from affected providers or patients. Recall coverage and FDA investigation defense are usually endorsements you have to ask for — they're not automatic. See Technology E&O and Cyber Liability for how Corgi structures the defense side of a post-market event.
Beyond a generic cyber policy, you want Cyber Liability with BAA-aligned wording, OCR investigation defense, regulatory fine coverage where insurable, and explicit PHI breach notification limits that match your covered-lives count. Most enterprise hospital and payer partners will ask to see this at integration, and the BAA you sign with them often references specific minimum limits. Corgi's health-tech cyber is built to satisfy those vendor requirements out of the box.

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