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Insurance for Health-Tech, Built for Patient Trust

Protect healthcare software, patient data, clinical workflows, and leadership decisions with coverage built for high-trust digital health companies.

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Why Health-Tech Companies NeedCoverage Built for Patient Data, Care Workflows, and Vendor Review

Clinical workflow risk

When software supports care delivery, outages and bad data can escalate beyond a normal SaaS dispute.

PHI and privacy

Protected health information brings HIPAA, breach response, and regulatory-defense requirements into the stack.

Enterprise healthcare

Hospitals, payors, and providers usually expect higher limits, tight COIs, and clear security posture.

Common Risk Triggers for Health-Tech Companies: HIPAA, Clinical Workflows, and Enterprise Healthcare Procurement

The hospital contract

From patient-data breaches to software errors, explore the insurance decisions behind a hospital contract in our health-tech insurance guide.

Insurance Packages That Slot Perfectly Into Health-Tech Companies

Pre-Seed & Seed

Core protection for you and your product

Policies included in this package:

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Series A

Protects you, your board, and helps you close bigger deals

Policies included in this package:

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Growth Stage

Protection for leadership risk, transactions, and scale

Policies included in this package:

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Custom Package

Know exactly what you need?

Pick the policies that fit your business best

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Core Insurance Packages for Health-Tech Companies

From HIPAA reviews to hospital contracts, these policies help health-tech teams protect patient data, software performance, leadership, employees, and operations.

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Startups
Commercial General Liability (CGL)

Commercial General Liability (CGL)

Protects your business against third-party claims for bodily injury, property damage, and personal or advertising injury arising from your operations.

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Startups
Cyber Liability

Cyber Liability

Protects against losses and claims resulting from data breaches, cyberattacks, and network security failures.

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Startups
Tech & AI Liability

Tech & AI Liability

Covers claims alleging your technology products or services failed to perform as intended, causing financial harm to a client.

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Startups
Directors & Officers

Directors & Officers

Covers claims made against company leaders for alleged wrongful acts in managing the business.

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Startups
Employment Practices Liability (EPLI)

Employment Practices Liability (EPLI)

Protects against claims alleging wrongful termination, discrimination, harassment, or other employment-related issues.

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Startups
Fiduciary Liability

Fiduciary Liability

Protects your company and plan fiduciaries against claims alleging mismanagement of employee benefit plans, including retirement and health plans.

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Startups
Media Liability

Media Liability

Protects against claims arising from your published or distributed content, including allegations of defamation, copyright infringement, or invasion of privacy.

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Startups
Hired and Non-Owned Auto (HNOA)

Hired and Non-Owned Auto (HNOA)

Provides liability coverage when employees use rented or personal vehicles for company business.

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Startups
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Health-Tech Claims ScenariosClinical Errors, PHI Breaches, and Platform Outages

The algorithm error

A customer alleges your analytics or decision-support tool produced incorrect results that affected care operations.

The HIPAA breach

A misconfiguration exposes patient records and triggers notification, legal, and third-party response costs.

The telehealth outage

A system crash disrupts scheduled sessions, and a partner alleges lost revenue and operational harm.

Explore Our Services by Industry

FAQ

Health-tech startups need Technology Errors & Omissions (E&O) for software liability, Cyber Liability with HIPAA-specific coverage for protected health information (PHI) breaches, Directors & Officers (D&O) insurance, and General Liability. Corgi covers companies classified as Software as a Medical Device (SaMD) that may also need product liability or professional liability coverage.
Yes. If your platform stores, processes, or transmits protected health information (PHI), you are subject to HIPAA regulations. Corgi's cyber insurance with HIPAA-specific endorsements covers breach notification costs, regulatory defense, and penalties from HHS investigations. Most hospital and payor partners will require proof of this coverage before integration.
Technology E&O for healthcare software covers claims when your product causes operational disruption or harm in clinical settings. This includes allegations that your software produced incorrect clinical decision support, failed during critical care workflows, or caused a provider to make an error based on faulty data or system downtime. Corgi's policy is built for these high-stakes scenarios.
Yes. Telehealth platforms face unique risks including service interruptions during patient consultations, privacy concerns with video-based care, cross-state licensing compliance, and potential allegations of facilitating substandard care. Corgi covers both the technology platform risks and the regulatory complexities of delivering care across jurisdictions.
Health-tech companies need cyber coverage that specifically addresses PHI breach response including HIPAA-mandated notifications, HHS regulatory defense costs, forensic investigation of healthcare data incidents, and business interruption from ransomware attacks targeting healthcare systems. Healthcare data breaches carry among the highest per-record costs of any industry. Corgi's comprehensive package is built for that severity.
If the FDA classifies your software as SaMD, you usually need a Tech E&O policy with affirmative SaMD wording rather than relying on standard product liability. The classification tier (Class I, II, or III) drives how aggressive carriers will be on limits, exclusions, and clinical oversight requirements. See Technology E&O for how Corgi structures coverage when your software is itself the medical device.
Clinical trial insurance is its own line. It covers bodily injury to trial subjects, sponsor-investigator liability, and protocol-related claims that Tech E&O explicitly excludes. If you're running or sponsoring trials (even decentralized digital ones), you need a dedicated clinical trial policy alongside your software E&O. Corgi can sit alongside a clinical trial program and cover the technology-platform exposures that the trial policy won't pick up.
Post-market surveillance findings, MDR reporting failures, and software recalls can trigger both regulatory defense costs and third-party claims from affected providers or patients. Recall coverage and FDA investigation defense are usually endorsements you have to ask for. They're not automatic. See Technology E&O and Cyber Liability for how Corgi structures the defense side of a post-market event.
Beyond a generic cyber policy, you want Cyber Liability with BAA-aligned wording, OCR investigation defense, regulatory fine coverage where insurable, and explicit PHI breach notification limits that match your covered-lives count. Most enterprise hospital and payer partners will ask to see this at integration, and the BAA you sign with them often references specific minimum limits. Corgi's health-tech cyber is built to satisfy those vendor requirements out of the box.

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ForbesAs covered in Forbes, May 2025.
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Insurance BusinessAs covered in Insurance Business, Jan 2026.
The Wall Street JournalAs covered in The Wall Street Journal, Sep 2025.
Inc.As covered in Inc., Sep 2025.
ForbesAs covered in Forbes, May 2025.
The Economic TimesAs covered in The Economic Times, Jul 2025.
Insurance BusinessAs covered in Insurance Business, Jan 2026.
The Wall Street JournalAs covered in The Wall Street Journal, Sep 2025.
Inc.As covered in Inc., Sep 2025.
ForbesAs covered in Forbes, May 2025.
The Economic TimesAs covered in The Economic Times, Jul 2025.
Insurance BusinessAs covered in Insurance Business, Jan 2026.
The Wall Street JournalAs covered in The Wall Street Journal, Sep 2025.
Inc.As covered in Inc., Sep 2025.
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Securities products and services are offered through ANOS Capital, LLC, a registered broker-dealer and member of FINRA and SIPC, registered with the MSRB, and a subsidiary of Corgi Insurance Services Inc. Corgi Insurance Services Inc. is not a registered broker-dealer or investment adviser. Insurance products are offered through Corgi Insurance Services, Inc. and are not securities.

Corgi ETFs are distributed by Paralel Distributors LLC, which is not affiliated with ANOS Capital. Investing involves risk, including loss of principal. Options involve risk and are not suitable for all investors. For the Options Disclosure Document, contact info@anoscap.com.

Testimonials and customer figures relate to Corgi's insurance services only. Check ANOS Capital on BrokerCheck.

Coverage may be underwritten through affiliated or partner carriers. Commercial Property, property-owner Commercial General Liability, and the Community Association Package are issued by Corgi Insurance Company (NAIC #17989) on a non-admitted, surplus lines basis and placed through a licensed surplus lines broker. Applicable surplus lines taxes and fees apply. These policies are not protected by state insurance guaranty funds.

Certain coverages may also be underwritten by Technology Risk Retention Group, Inc. (TRRG), a risk retention group organized and operating pursuant to the Liability Risk Retention Act (15 U.S.C. § 3901 et seq.). TRRG is not subject to all of the insurance laws and regulations of your state. State insurance insolvency guaranty funds are not available for policies issued by a risk retention group.

Corgi Insurance Services, Inc. is a licensed insurance producer (CA License #6012791) and acts as the program administrator, not the insurer.

Certain coverages may also be written through affiliated or partner carriers that are admitted in the applicable state and rated A- (Excellent) or better by AM Best. Availability of admitted paper varies by state, line of business, and risk characteristics, and not all coverages are available through every carrier.

Coverage is subject to underwriting approval and availability varies by jurisdiction. Not all products are available in all states. Limits, retentions, and terms shown on this page are illustrative and may differ from your actual policy. See our Disclaimers page for full licensing details.