Insurance Programs for Healthcare Providers
From independent physicians to multi-specialty practices, urgent care centers to long-term care facilities, Winter-Dent delivers healthcare insurance solutions that protect your practice, your patients, and your peace of mind. Whether you’re a solo practitioner or managing multiple locations, we develop comprehensive coverage that addresses the unique challenges of modern healthcare delivery.
Why Healthcare Demands Specialized Protection
Medical practices operate in one of the most regulated, high-stakes environments in business: evolving compliance requirements, patient privacy laws, professional liability exposure, and the critical responsibility of human health. Generic commercial insurance falls short of addressing these specialized risks.
With comprehensive coverage and proactive risk management, you can focus on patient outcomes while protecting your practice’s financial health.
At Winter-Dent, we know your specialty, patient volume, and facility type all shape your risk profile. That’s why we don’t start with pricing – we start with understanding your practice.
Our Prevent365 process flips the traditional approach. Instead of reacting to incidents, we identify vulnerabilities before they become claims, strengthen safety and compliance protocols, and build coverage that genuinely fits your operation.
Our Prevent365 process isn’t generic protection. It’s a strategic, continuous partnership to help you prevent, contain, and insure against the exposures that could jeopardize your practice.
Every healthcare provider faces distinct exposures, from clinical liability to facility incidents. Winter-Dent constructs protection around the realities of your practice, combining critical coverages that safeguard your providers, patients, and financial security.
Defends against allegations of negligence, misdiagnosis, treatment errors, and other malpractice claims while protecting your professional reputation.
Provides medical care and wage replacement for staff injured on the job, from needle sticks to slip-and-falls, while maintaining compliance with state mandates.
Protects against ransomware attacks, electronic health record breaches, and HIPAA violations that could expose protected health information.
Covers third-party injuries and property damage occurring at your facility, from patient falls to visitor accidents in waiting areas.
Shields your practice from claims of wrongful termination, discrimination, harassment, and other employee-related allegations.
Protects medical equipment, technology, furnishings, and inventory against fire, theft, vandalism, and natural disasters.
Maintains cash flow when incidents, disasters, or facility closures force temporary suspension of patient services.
Covers board members and executives against claims arising from management decisions, particularly critical for group practices and healthcare systems.
Extends coverage to nurse practitioners, physician assistants, therapists, technicians, and other licensed healthcare professionals.
Industry Expertise
Decades of experience across multiple industries, giving us deep insight into sector-specific risks and solutions.
Core Values
We prioritize long-term relationships over short-term sales, ensuring your success is our primary goal.
Risk Evaluation Process
Our proprietary Prevent365 methodology ensures comprehensive risk assessment before coverage placement.
Consultative Approach
We're your risk management partners, not just insurance brokers, providing ongoing support and strategic guidance.
Most healthcare providers require medical professional liability, general liability, workers’ compensation, cyber liability, and business property coverage. Winter-Dent customizes insurance portfolios for physicians, dentists, specialists, and facility operators to address every aspect of healthcare operations.
Premiums vary significantly by specialty, location, claims history, and coverage limits. Primary care physicians may pay $5,000–$15,000 annually, while high-risk specialties like surgery or obstetrics can range from $30,000–$100,000+. Winter-Dent provides specialty-specific quotes tailored to your practice.
Absolutely. Healthcare is the most targeted industry for cyberattacks, and HIPAA violations carry steep penalties. Cyber liability insurance covers breach response costs, regulatory fines, patient notification, and legal expenses. Winter-Dent helps medical practices protect electronic health records and maintain compliance.
Occurrence policies cover incidents that happen during the policy period regardless of when claims are filed. Claims-made policies cover claims filed during the policy period for incidents that occurred while coverage was active. Winter-Dent explains both options and recommends the best structure for your practice longevity.
Implement robust documentation practices, maintain clear patient communication, follow evidence-based protocols, conduct regular staff training, and ensure proper credentialing. Winter-Dent’s risk management resources help healthcare providers strengthen safety practices and potentially reduce premiums.
Email Us
info@winter-dent.com
Call Us
(573) 634-2122