Medical Practice Insurance in NYC, Westchester, and Fairfield
Protection That Prioritizes Care
Medical professionals care for lives. We care for the systems that keep their practices safe. Refine Risk designs 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 Serve
We partner with medical offices and healthcare providers who want more than generic coverage.
- 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.
Key Coverages We Offer
We create tailored protection systems that reflect the real risks medical offices face—financial, digital, clinical, and operational.
Medical Malpractice Insurance
Protects physicians and providers from claims of negligence or harm related to patient care. This is foundational coverage for any practicing clinician and must be designed with your specialty, claim history, and jurisdiction in mind.
Cyber Liability and HIPAA Breach Protection
Covers costs and liability from data breaches, ransomware, or improper handling of protected health information (PHI). Includes breach notification, legal defense, and regulatory fines.
General Liability Insurance
Covers incidents like slip-and-fall injuries in your office, accidental property damage, and non-medical claims from third parties.
Business Owners Policy (BOP)
Combines property, general liability, and business interruption into a streamlined policy. Ideal for small to mid-sized practices looking for efficient, systemized protection.
Workers’ Compensation Insurance
Required coverage that protects employees who may experience injury or illness in the course of work—whether it’s a needlestick injury or a repetitive motion claim.
Employment Practices Liability Insurance (EPLI)
Defends against claims of wrongful termination, discrimination, harassment, or contract disputes. Crucial for growing practices with a team of medical and administrative staff.
Commercial Property and Equipment Breakdown
Covers damage to your physical space, exam equipment, imaging machines, and refrigeration systems for vaccines or biologics.
Why Medical Practices Choose Refine Risk
We understand that healthcare isn’t just clinical, it’s personal, regulated, and deeply operational.
- Protection systems aligned with healthcare compliance and HIPAA
- Risk design that supports growth, new locations, or expanded services
- Calm, ongoing support from a single dedicated advisor
- Confidential service tailored to the sensitivity of your work
Our goal is to keep your office protected so your focus stays on your patients.
Local Expertise in the Tri-State Area
We work with physicians, specialists, and practice groups throughout:
- New York City: Upper East Side, Midtown, Tribeca, and 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.
Our Process
Discovery. Design. Implement. Support.
We start with a thorough assessment of your operations, then build a coverage strategy that fits your risk profile, practice goals, and regulatory requirements. Your protection evolves as you do.
Let’s protect your practice with purpose.
Call or text (914) 704-4200 or schedule a consultation