# Healthcare & Life Sciences Coverage for medical practices, allied health, and life-sciences operators handling PHI. Healthcare carries the highest regulatory weight of any industry we serve. Programs blend professional liability with cyber tuned to HIPAA and PHI, plus employment practices liability for the workforce dynamics specific to clinical settings. We pay particular attention to the carve-outs that show up on healthcare placements: regulatory inquiry sublimits, breach-notification-only triggers, and the difference between an HHS investigation and a state attorney general investigation under the cyber line. Practices that miss those lines at quote time discover the gap during a claim. ## Sub-industries - **Cyber Liability**, HIPAA and PHI exposure with healthcare-specific sublimits. - **General Liability**, Clinic and office third-party exposure. - **General Property**, Equipment, inventory, and business interruption for clinical sites. - **Employment Practices (EPL)**, Workforce dynamics specific to clinical settings.