Insurance for Medical Practices in the Tri-State Area
Medical professionals care for lives. Refine Risk protects the systems that keep their practices safe. We design insurance strategies for private practices, specialty clinics, and outpatient centers across New York City, Westchester, and Fairfield County.
Our approach is proactive, precise, and built to scale with your practice.
Who We Work With
We partner with medical offices and healthcare providers who need more than generic coverage, including:
- Primary care and family medicine practices
- Concierge medical groups
- Specialty clinics (dermatology, ENT, cardiology, orthopedics, etc.)
- Outpatient surgery centers and diagnostic labs
- Mental health practices and wellness clinics
- Group practices and medical buildings
We understand the regulatory environment, operational pressures, and patient privacy standards you navigate every day.
Must-Have Insurance Coverages for Medical Practices
We create tailored protection systems that reflect the real risks medical offices face like financial, digital, clinical, and operational.
Medical Malpractice Insurance
Protects physicians and providers from claims of negligence or harm related to patient care. Coverage is customized for your specialty, claim history, and jurisdiction.
Cyber Liability and HIPAA Breach Protection
Covers costs from data breaches, ransomware, or mishandling of protected health information (PHI). Includes breach notification, regulatory defense, and fines.
General Liability Insurance
Protects against third-party claims such as slip-and-fall injuries in your office, property damage, or non-medical liability.
Business Owners Policy (BOP)
Combines property, general liability, and business interruption into a streamlined policy. Ideal for small to mid-sized practices seeking efficient protection.
Workers’ Compensation Insurance
Required in NY, NJ, and CT. Covers medical care and lost wages for employees injured on the job, from needlestick injuries to repetitive motion claims.
Employment Practices Liability Insurance (EPLI)
Defends against claims of discrimination, harassment, or wrongful termination. Critical for practices with medical and administrative staff.
Commercial Property and Equipment Breakdown
Protects your building, exam rooms, imaging equipment, and refrigeration systems for vaccines or biologics.
Why Medical Practices Choose Refine Risk
- Coverage aligned with HIPAA and healthcare compliance
- Strategies that support practice growth and expansion
- Dedicated advisor for ongoing guidance
- Discreet, professional service tailored to the sensitivity of medical work
Our goal is to keep your practice protected so your focus stays on your patients.
Local Expertise in the Tri-State Area
We insure practices throughout:
- New York City: Upper East Side, Midtown, Tribeca, SoHo
- Westchester County: White Plains, Scarsdale, New Rochelle
- Fairfield County: Greenwich, Stamford, Westport, Norwalk
We’re based here. We insure here. And we build with local nuance in mind.
Frequently Asked Questions
What insurance is required for medical practices in New York?
At minimum, practices need professional liability (malpractice) insurance and workers’ compensation. Lease agreements often require general liability coverage.
Do I need cyber liability insurance if I already have HIPAA compliance systems?
Yes. Compliance reduces risk but does not eliminate it. Cyber liability coverage addresses costs of breaches, ransomware, and legal defense.
Can Refine Risk insure multi-specialty groups?
Yes. We design insurance systems for group practices and medical buildings, aligning policies with each specialty’s exposures.
How To Get Insurance For Your Medical Practice
Discovery. Design. Implement. Support.
We start with a detailed assessment of your operations, then design a coverage strategy that matches your risks and growth goals. Your protection evolves as you do.
Let’s protect your practice with purpose.
Call or text (914) 704-4200 or schedule a consultation.