Licensed surplus lines producer
We Protect. You Practice.
Since 2001
Thirty-two classes. Fifty states. Most brokers write one of these. We write all of them, which is why we can insure a practice that does six things at once.
Your coverage starting point
Coverage built around your practice.
Select your practice type above to see the areas most relevant to your business.
Already a client
Everything you need, in one place.
Policy changes, renewals, certificates, incidents. Submit it here and the services team picks it up. Every request goes to a named owner and you get a confirmation when it lands.
Cover360
Most practices buy professional liability and stop.
Professional liability answers for what happens during a treatment. It was never built to answer for a slip in the lobby, a laser that fails out of warranty, a former employee's claim, or a breach of the records you hold. Cover360 puts all thirteen lines on one screen so you can see which ones your practice has.
Run Cover360Who we insure
Thirty-two classes. One broker. That is the whole point.
A practice that does injectables, hormone and weight loss usually needs three conversations. Here it needs one.
The First 48 Hours
Something went wrong? Read this before you do anything else.
A bad outcome, a threatening review, a letter from an attorney. What you do in the first two days shapes everything that follows.
Tell us today, not when it becomes a claim
Calling us is not an admission of anything. It preserves your options.
Write down what happened while you remember it
Dates, times, who was present, what was said. Not a narrative and not an opinion.
Do not alter a record. Ever.
Add a dated addendum instead. Never edit the original.
Do not respond to the patient or the attorney yet
Not a refund, not an apology, not a review reply. Talk to us first.
Renewal Readiness
Your renewal starts 90 days before the invoice.
Most owners find out what changed when the number arrives. By then the options are gone. Here is the countdown.
90 days out
Pull your service list and compare it to what you actually do now.
60 days out
Declare the changes. New providers, new locations, new procedures, mobile or event work.
30 days out
Terms arrive. If the number moved, the seven things that move it explain why.
Free, no purchase, no card
Build your practice plan. Take the consent library. Buy nothing.
Create a free account and walk the journey. It asks what you do, who works for you and where. At the end you get a business plan built around your actual practice, and the full consent library for every procedure on your list.
There is a quote at the end if you want one. You do not have to take it, and nothing here is behind a purchase.
Takes about 12 minutes. Save and come back any time.
01
Your practice plan
A written plan built from what you actually do. Service mix, staffing, locations, and where the exposure sits.
02
The consent library
Consent templates for every procedure on your list, with the reasoning behind each clause.
03
Your coverage insights
Get a clearer picture of the coverage your practice needs based on the services you provide, the people you employ, and the exposures you face.
04
Your portal, when it opens
The same account becomes your client portal. Policy documents, certificates, service requests, renewals. One login for everything.
Risk Watch · Updated monthly
What changed this month.
Appetite moves. Regulation moves faster. We publish what we are seeing, sourced from primary records, so you are not finding out at renewal.
Read Risk Watch Get The Binder by emailPartnerships
If you are building something bigger than one practice.
Roll-ups, franchise networks, associations and agencies. Different problems, one broker who handles all of them.
Wellness Tycoon Collective
Real Community. Unfiltered Truths. Practice Longevity.
An independent association for practice owners. You do not need a policy with us to join, and you never will.
Opening to founding members first. Free forever, and membership has no effect on your policy, your renewal or your file.
Explore Wellness Tycoon About the Collective