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Cyber insurance for physician offices
Published 2026-06-11 · by Brokly
Patient records make even a small practice a regulated data holder — HIPAA's breach duties arrive with any compromise, and the EHR going down stops the schedule.
What it covers for physician offices
Helps the practice absorb what follows a compromise of its systems or its patients' records. Federal law sets the floor: the HIPAA Breach Notification Rule (45 CFR §§164.400–414) requires notifying affected individuals within 60 days of discovering a breach, alerting prominent media outlets when more than 500 residents of a state are affected, and reporting to HHS — and those duties run to small practices, not just hospital systems: federal regulators settled a ransomware investigation with a small neurology practice over a breach that may have affected 6,800 individuals. Most commercial property and general liability policies do not cover cyber risk, so it is bought as its own policy — typically paying for breach response, patient notification and credit monitoring, data restoration, and business interruption while the EHR and scheduling systems are down; some policies also address regulatory fines and penalties, though what is insurable varies by policy and state. A practice can't see patients without its EHR and schedule, and can't hold records without HIPAA's breach duties — one compromise lands on both at once.
Sources: HHS — HIPAA Breach Notification Rule (45 CFR §§164.400–414) (as of content last reviewed 2013-07-26, retrieved 2026-06-11) · HHS — OCR settles HIPAA ransomware cybersecurity investigation with neurology practice (as of 2025-04-25, retrieved 2026-06-11) · NAIC — Cybersecurity topic (as of last updated 2024-05-09, retrieved 2026-06-11)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for cyber insurance, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the cyber insurance benchmark for physician offices — same URL, real numbers.
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