What umbrella insurance for physicians and health care professionals covers:
An umbrella policy extends the liability portion of your existing home and auto policies, and adds coverage for claims those policies don’t reach on their own.
How does umbrella insurance work?
Once your homeowners or auto liability limit is reached, your umbrella takes over automatically. To follow are some of the coverages that may be included in an Umbrella policy:
Home & auto
Higher limits, same policies. Once your homeowners or auto liability limit is reached, your umbrella takes over automatically.
Personal injury
Libel, slander & more. Covers claims that home and auto policies don’t touch at all, like defamation, false arrest, and invasion of privacy.
Rental & investment property
Extends liability protection to rental properties and investment real estate you own personally, on top of your landlord policy.
Watercraft & recreational vehicles
Boats, jet skis, and in many policies off-road and recreational vehicles are covered, so weekend fun stays worry-free.
Board & volunteer roles
Covers your liability while serving on a hospital committee, nonprofit board, or HOA, so contributing your time doesn’t add personal risk.
Defense costs (funded separately)
Legal defense is typically paid in addition to your liability limit, real support behind you from day one, wherever the claim happens.
How much does an Umbrella policy cost?
Umbrella coverage is one of the best values in personal insurance, a large jump in protection for a relatively small premium. Actual pricing depends on your state, number of homes and vehicles, and underlying policies. We’ll work to find the coverage that offers the best value for your situation.
Request a No-Obligation Insurance Review for Your Practice
Does your current insurance fully protect your practice, your staff, and your livelihood? Coverage gaps can expose your business — and your career — to unnecessary risk.
At Actuate Insurance, we work closely with physician-led practices. We combine deep health care industry insight with years of hands-on experience to design competitively priced insurance programs built around the realities of running a medical business. Our goal is simple: help you protect what you’ve built, so you can stay focused on patient care.
Please complete the form to request your free, no-obligation review. One of our advisors will connect with you to review your needs and walk you through your coverage options.
We provide cover for
You make life-saving decisions daily — rely on coverage designed to support your critical responsibilities.
Face every shift with confidence, backed by insurance tailored to meet the demands of nursing care.
Provide exceptional care knowing your coverage is built to support the demands of dental practice.
Treat every patient confidently with insurance that understands the risks and rewards of veterinary care.
Your care makes a difference — stay protected with coverage built for your fast-paced clinical role.
Your team is driving better outcomes — protect your practice with coverage designed for today’s clinical demands.
Our Product Offerings
In the ever-evolving health care landscape, it’s not always “business as usual,” so having the right commercial insurance is essential.
It’s the nature of medicine for complications to occur. Make sure you and your practice are properly covered when allegations arise.
Your health should be a priority too. There is no time like the present to review your health benefits, explore options, and maximize savings.
What’s New in Professional Liability?
Knowledge is power — and protection. Partnering with Actuate Insurance gives you access to specialized experience in healthcare insurance. Explore our Blog for insights, research, and guidance on issues that impact your practice.
Insurance Awareness prompts a closer look at coverage — for physicians and their practices alike Every day, physicians run checkups on their patients. But few pause to ask when their…
— At a Glance Physicians are the most sued professional group — a direct result of medicine’s inherent complexity and potential for real bodily harm. In our current legal system in the…
As a physician, your malpractice policy is one of the most critical safeguards of your professional career. While you likely have a solid understanding of your coverage, taking the time…