Telehealth & Digital Health Providers Errors & Omissions Insurance
Professional liability coverage for licensed providers delivering care remotely.
This is an estimate, not a bound policy — a licensed VAB producer confirms final terms before coverage starts. Sgt. Savings can answer questions but can't quote, bind, or guarantee coverage.
Remote care changes where the risk sits — a platform failure or a missed detail in a video visit can cause real patient harm without a single in-person moment. Telehealth & Digital Health Providers Errors & Omissions Insurance covers licensed providers delivering diagnosis, triage, consultation, prescribing, and remote monitoring, including patient injury tied to a platform or technology failure during care delivery.
Who This Is Really For
The ideal buyer.
The ideal buyer is a licensed clinical practice or digital health startup that has already expanded, or is actively expanding, into virtual visits, and is realizing mid-build that their existing medical malpractice policy was written for an in-person practice and doesn't clearly address a platform outage or a missed diagnosis over video. The trigger is often a compliance or contracting conversation: a payer, an investor, or a state licensing board asks how liability is structured for remote care, and the practice discovers its current coverage is silent on technology-failure exposure. This buyer isn't looking for a full standalone cyber policy — they already have IT security handling that — they need the specific carve-back that connects a platform glitch to a patient-injury claim, which a generic malpractice form doesn't provide. They're also often weighing multi-state licensure questions, which this policy explicitly doesn't resolve, so they arrive already knowing coverage is only part of what they need to sort out.
- Telehealth platforms employing or contracting licensed clinicians
- Licensed providers doing remote diagnosis, triage, or consultation
- Digital health companies offering remote prescribing or monitoring
- Practices that expanded into virtual visits and need that exposure explicitly covered
- Providers concerned about liability from a technology or connectivity failure during a virtual visit
What It Covers
Coverage, broken down.
Remote clinical services as professional services
Covers diagnosis, triage, consultation, prescribing, and remote monitoring delivered by licensed providers over telecommunication channels.
Patient injury from a negligent Wrongful Act
Covers bodily injury, death, or emotional distress claims tied to a negligent act in care delivery — including when a platform or technology failure contributed to the harm.
Privacy and cyber-incident carve-back for patient injury
Restores coverage specifically for patient bodily injury claims connected to a privacy, data, or cyber incident during care delivery — narrower than a full cyber policy, but closes a real gap for virtual care.
Communicable disease carve-back
Restores coverage for patient injury claims tied to negligent communicable-disease diagnosis, treatment, or management delivered remotely.
Illustrative Scenario — How This Coverage Responds
Illustrative scenario — a delayed diagnosis over video
A patient uses a telehealth platform for a consultation about persistent symptoms. The remote provider's assessment misses a condition that requires urgent in-person follow-up, and the patient's condition worsens before it's caught. The patient sues, alleging the remote evaluation fell below the standard of care. Telehealth E&O responds to the claim and defense, because the injury arose from a negligent Wrongful Act in the delivery of remote clinical care.
Illustrative example for education only — not a claim outcome or a promise of payment. Every claim depends on the actual policy issued and its terms.
More Than One Way In
More scenarios.
Real coverage doesn't fit one story. Here's who else this shows up for.
The startup scaling past its first state
A digital health company built its platform and provider network for one state, then expands to three more, and needs to confirm its coverage actually reaches providers seeing patients across state lines.
The hybrid practice adding virtual visits
An established in-person practice adds a telehealth option two days a week, and the practice manager needs to understand that this line covers the remote side while their existing malpractice policy needs to keep covering the in-person side.
The connectivity dropout during triage
A remote triage nurse's call drops mid-assessment during a patient intake, and the patient's care is delayed while they reconnect — raising the question of whether a resulting injury claim would be treated as a platform-failure claim.
Know The Gaps
What this doesn't cover.
Every policy has limits. Knowing them before you buy is how you avoid a denied claim later.
First-party cyber and breach-response costs
Notification, forensics, and credit monitoring after your own systems are breached aren't covered — only third-party patient injury claims connected to the incident are restored. A platform operator still needs standalone cyber coverage.
In-person surgical or invasive procedures
This line is scoped to remote care delivery. A provider who also performs in-person procedures needs that exposure covered separately.
Ownership or operation of a hospital, clinic, or lab
Facility ownership carries its own liability profile distinct from professional services — a telehealth company that also runs physical locations needs additional coverage for that operation.
Medical device or pharmaceutical product design, manufacture, or sale
Product liability is a separate exposure from professional services liability — a digital health company selling its own device or drug needs product liability coverage too.
Abuse, molestation, or sexual misconduct claims
These claims are categorically excluded from professional liability coverage across the industry, regardless of care setting.
Behind The Quote
What goes into the decision.
What actually moves your price and your approval — no black box.
Scope of remote clinical services offered
The breadth of what providers are actually authorized to do remotely — triage-only versus prescribing versus full diagnosis and treatment — changes the exposure profile substantially.
Platform and technology stack reliability
Since the technology-failure carve-back is a core reason this line exists, underwriting cares whether the platform has redundancy and documented uptime, not just whether the carve-back is elected.
Provider licensure and multi-state credentialing
A company operating across many states carries more regulatory complexity, even though this policy itself doesn't resolve licensure questions.
Existing cyber liability coverage
Because this line explicitly doesn't cover first-party breach response, whether the buyer already carries a standalone cyber policy affects how big a gap they're actually closing.
Scope of service (remote-only vs. hybrid with in-person procedures)
A hybrid provider needs this line to work alongside a standard malpractice policy, not replace it, so how clearly those two policies' scopes are divided matters at binding.
Let's get you covered.
Tell us what you need on Telehealth & Digital Health Providers Errors & Omissions Insurance — a licensed VAB advisor follows up personally. No bots, no runaround.
Looking for a session that's already scheduled? Browse upcoming webinars.
Availability
Available to telehealth and digital health organizations nationwide, placed and administered state by state.
Questions, answered straight
No jargon on telehealth & digital health providers errors & omissions insurance — just what you're actually asking.
Yes — patient bodily injury tied to a platform or technology failure during care delivery is specifically carved back into coverage, which is one of the reasons this line exists separately from standard medical malpractice.
Yes. This covers third-party patient injury claims connected to a privacy or cyber incident — it does not cover your first-party costs of responding to a breach, like notification and forensics.
This line covers the remote/telecommunication side of care. In-person surgical or invasive procedures fall outside it and need to be covered under a standard medical professional liability policy.
The professional services covered include prescribing as part of remote care, but licensure requirements for practicing across state lines are a separate regulatory question your compliance team should confirm for each state you operate in.
Yes, the communicable disease exclusion is carved back specifically for negligent diagnosis, treatment, or management delivered through the platform.
Beyond This Coverage
What people in your situation also need.
Business Banking
A digital health company binding professional liability is a natural fit for VAB's core business banking relationship.
ExploreGroup Benefits
Telehealth practices hiring clinical and support staff need a benefits program to attract and retain licensed providers.
ExploreEquipment Financing
Practices scaling their virtual-care platform often need to finance telehealth carts, remote monitoring devices, or IT infrastructure.
ExploreRelated Coverage
Coverage people pair with this.
Medical Professional Liability Insurance
Claims-made medical malpractice coverage for healthcare providers and organizations.
Learn morePhysicians & Surgeons Professional Liability Insurance
Medical malpractice coverage scoped specifically to physicians, surgeons, and osteopaths.
Learn morePsychedelic Therapeutics Liability
Liability coverage built for state-licensed psychedelic therapy providers.
Learn moreReady to talk it through?
Get a quote in minutes, or ask Sgt. Savings a straight question first — no pressure, no runaround.
Insurance products described on this page are marketed by The Veteran Alliance, a licensed insurance producer, and underwritten by one or more separately licensed insurance companies, which may include Corgi Insurance Company and its affiliates. The insurer that actually underwrites your policy, its licensing status in your state, and any state-required notices will be identified in your quote and policy documents. Coverage, limits, eligibility, and pricing are determined by the underwriting insurer, may vary by state, and may change. Nothing on this page is a quote, an offer of insurance, a binder, or a guarantee of coverage — coverage takes effect only when a policy is issued.