Healthcare — a dedicated practice
Insurance advisory built for healthcare organizations.
Healthcare risk is layered — clinical, regulatory, cyber, employment, and corporate — and it shifts every time you add a provider, a location, or a management agreement. We work with healthcare organizations as a dedicated practice, not a sideline, and it changes what we see.
The problem with generalists
Most healthcare organizations are insured by generalist agents who place their coverage the way they'd place a retail store's — a policy per line, no analysis of the entity behind it. But in healthcare, the structure is the risk: who employs the providers, who owns the assets, what the management agreement allocates, what happens to liability when practices combine. We read the structure first. Then we place the coverage.
Who we serve
Built around how you're built.
Behavioral Health Facilities
Residential and outpatient programs carry exposures generalist programs routinely miss — professional liability written for the actual services delivered, abuse & molestation coverage with real limits, and employment risk in a high-turnover field. We know where to look, and which carriers genuinely want this class of business.
Medical Practices
Malpractice placement is the start, not the finish. We build complete programs for practices — professional liability, property, cyber, employment practices — and review them together, so nothing falls between policies.
SuperGroups
Consolidation creates risk at the seams: legacy policies that don't align, tail coverage decisions with long consequences, and new entities with no coverage history. We manage the insurance side of coming together so growth doesn't create gaps.
Management Services Organizations (MSOs)
The MSO model splits clinical and business risk across entities — and the management agreement decides who holds what. We review those agreements against the actual coverage, and structure programs for both sides of the relationship: E&O, D&O, cyber, and employment coverage that match the obligations on paper.
Healthcare Providers
Individual physicians, clinicians, and allied health professionals — malpractice and the coverages around it, advised by someone who will actually explain the difference between the options.
Clinics
Outpatient facilities balancing patient care with the exposures of running a physical operation: professional liability, general liability, property, and the cyber coverage that HIPAA-era clinics can no longer skip.
Program components
A healthcare program at Oak typically addresses: professional liability / malpractice · general liability & property · cyber liability (HIPAA exposure) · directors & officers · employment practices liability · workers' compensation · umbrella/excess. Which of these you need — and at what limits — is exactly what the risk review determines.
In transition? That's the moment to call.
Adding providers, opening a location, joining a supergroup, signing an MSO agreement — these are the moments coverage breaks quietly. Bring us the current program and the paperwork. We'll tell you what we see.
Schedule a Risk Review