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A clinic holds some of the most sensitive data there is. When it is exposed, privacy law forces notification, regulators get involved, and patients walk. I help you find the gaps in your cyber coverage, then look at the rest of your clinic's program in one place.
The exposure
Patient records are valuable and heavily regulated. That combination makes healthcare one of the most-targeted sectors, and clinics are the softest part of it.
Health data is prime for theft. Exposure triggers mandatory notification, regulator involvement, and lasting loss of patient trust.
Charts, imaging, and scheduling locked. A ransomware event can halt patient care, and now legally counts as a reportable breach even with no data theft.
Ontario's IPC can now levy penalties up to $500K. Notification timelines are tight, and getting them wrong compounds the damage.
Spoofed emails redirect vendor payments or payroll. Small clinics rarely carry a funds-transfer sublimit that matters.
Your records often live with a software vendor or billing service. Their breach becomes your notification obligation.
Does your current policy actually cover this, at a limit that matters? Let's find out →
A composite Canadian case
Composite cases drawn from Canadian SME claims patterns. Each had insurance. Each found the gap too late.
Unauthorized access to patient records forced notification of every affected patient, regulator reporting, and credit monitoring. Several long-time patients left.
Ransomware locked the EMR and booking system. The clinic couldn't safely see patients and lost nearly a week of revenue.
A misconfigured cloud drive left intake forms readable online. Under PHIPA the clinic faced reporting and potential penalty.
The whole tower, one broker
Cyber is where we start, because patient data is the gap most clinics underinsure. But your property, your general liability, your equipment, and your professional exposure shouldn't sit with brokers who never compare notes. I place the full program so it lines up.
One review. One broker who sees the whole clinic. Fewer gaps, and usually a cleaner price.
Review my whole programNo pressure, no obligation
Already carry cyber? I'll review it against PHIPA and flag the gaps. Don't have it, or want the whole clinic program looked at? I'll walk you through your options with no obligation.
Book a free 20-minute call, or use the form below:
Insurance services are provided by St. Andrews Insurance Brokers Ltd., a licensed Ontario insurance brokerage. J.R. Genua is a Registered Insurance Broker with St. Andrews. CyberInsuranceBroker.ca is an independent educational resource; no coverage is bound here.