Cyber Insurance for Florida Dental and Medical Offices: Protect Your Patients and Your Practice

Your practice runs on data. Patient charts, X-rays, insurance details, appointment schedules and payment information all live on your computers and in the cloud. If a hacker locks you out of those systems or steals patient records, you may not be able to see patients, and you could face lawsuits, regulatory investigations and costly notification requirements.

At Schneider & Associates Insurance Agencies in Jonesville, we help Florida dental offices and primary care practices protect themselves with cyber insurance through AmTrust, a carrier that makes quoting fast and simple.

Why dental and medical offices are prime targets

Many small practice owners assume hackers only go after hospitals and big corporations. In reality, small healthcare offices are frequent targets because:

• Patient records are valuable. Health records contain names, birth dates, Social Security numbers and insurance information, which criminals can use for identity theft and insurance fraud.
• Downtime is costly. If you can't access charts or scheduling software, you can't see patients. Criminals know practices are under pressure to pay a ransom quickly.
• Small offices have small IT budgets. Many practices don't have a dedicated IT team, making them easier to break into.
• Staff get targeted by phishing. A single convincing email can trick an employee into clicking a malicious link or wiring money to a fake vendor.
• You take card payments. Copays and patient balances paid by card create another target for hackers.

A breach comes with legal obligations

As a healthcare provider, a data breach isn't just an IT problem. It triggers legal requirements:

• HIPAA: if patient health information is exposed, you may need to notify affected patients and federal regulators, and you could face investigations and penalties.
• Florida's data breach law: Florida requires businesses to notify affected Florida residents of a breach of personal information within a set deadline, and larger breaches must also be reported to the state Attorney General.
• Payment card rules: if card data is compromised, your payment processor and the card companies can charge investigation costs, fines and assessments.

Meeting these requirements means hiring lawyers, forensic investigators, mailing services and credit monitoring providers, often within days. Without insurance, all of those costs come out of your pocket.

What AmTrust cyber insurance covers

AmTrust's cyber policy covers both the costs your practice pays directly and the claims others bring against you.

Costs to your practice:

• Ransomware and cyber extortion: expenses and payments to respond to a ransom demand
• Data and system recovery: restoring your computers, software and patient data after an attack
• Business interruption: lost income and extra expenses while your systems are down and you can't see patients
• Vendor outages: lost income when your practice management software, billing company or another supplier is hit by an attack of its own
• Reputational harm: lost income when news of a breach drives patients away
• Breach response: legal counsel, computer forensics, patient notification, credit monitoring and public relations
• Phishing and fraud: money lost when staff are tricked by a fake email, invoice or impersonation
• Cryptojacking: costs when criminals secretly use your computers to mine cryptocurrency

Claims against your practice:

• Privacy and network liability: defense if patients sue after their information is exposed
• Regulatory fines and penalties: coverage for government fines and penalties tied to a cyber event or privacy violation, where insurable by law
• Payment card penalties: forensic costs, fines and assessments owed to card companies after a breach
• Media liability: defense against claims involving content on your website, such as copyright infringement

AmTrust also offers 24/7 access to experts to help you respond when something goes wrong.

Getting a quote is quick and simple

You're busy running a practice, and you don't have time for long insurance applications. With AmTrust, there's no lengthy questionnaire or IT audit to get started. We just need a few basic details about your practice, and we can quote and bind coverage online in real time, often while you're on the phone with us.

AmTrust's cyber coverage is admitted in all 50 states, including Florida, and almost any type of business is eligible, so most dental and primary care offices can be covered in minutes.

One agency for your entire practice

Cyber is just one piece of protecting your practice. We can also handle:

• Workers' compensation for your hygienists, assistants, nurses and front-desk staff
• Commercial property for your office, equipment, furniture and supplies
• General liability for patient slip-and-fall injuries and other premises claims

As an independent agency, we're not tied to one insurance company. We quote your coverage with many carriers to find the best premium and the right fit for your practice, then keep everything organized in one place.

Get a cyber quote today

We're a family-owned agency that caters to small businesses, and walk-ins are always welcome. You'll work with real people who know your practice, from your first quote to your next claim.

Call us at (352) 333-3775, request a quote at request a quote online, or stop by our office at 285 NW 138th Terrace, Suite 100, Newberry, FL 32669.

Coverage availability and eligibility vary by carrier and business type and are subject to underwriting approval. Consult the policy for specific terms, conditions, limits and exclusions.