OB-GYN & Women’s Health Insurance · Frisco, TX
OB-GYN Insurance Worthy of the Trust Your Patients Place in You
Few practices are trusted the way yours is — with pregnancy, birth, and the whole arc of a woman’s health, often across decades. A practice that protects itself with the same care and foresight it gives patients is one that stays, steadily, for the women who count on it. Obstetrics carries the highest stakes in medicine, a birth-injury claim can surface years later, and your records are among the most sensitive anyone holds — exposures a general business policy was never built for. We structure one program around all of it, placed with the markets that actually write obstetric and women’s-health risk, so the continuity your patients trust is never left to chance.
A specialist review, matched to the trust your patients place in you · no obligation
Why OB-GYN practices are different
An OB-GYN practice carries exposures unlike any other — and its coverage has to be built for them.
From the delivery room to the most sensitive records in medicine, women’s-health risk doesn’t fit a standard policy. A thorough program is built around each exposure — so the practice is protected to the standard the trust you’re given deserves.
Obstetrics carries the highest stakes
Birth-injury claims are rare, but among the most severe in all of medicine. Obstetrics is the exposure that defines an OB practice — and it deserves real limits and a defense built for it.
The longest tail in medicine
A birth-injury claim can arrive years after the delivery, once a child reaches the age the law allows. How your policy is structured — occurrence, or claims-made with tail — matters more here than almost anywhere.
A team, and the practice itself
Physicians, certified nurse-midwives, nurse practitioners, and sonographers each create exposure — and the practice entity needs its own coverage, not a share of someone else’s.
The most sensitive records you hold
Women’s-health and reproductive records are among the most sensitive information in any practice. Cyber and HIPAA protection guards the data — and the trust — your patients hand you.
One coordinated program
Everything your practice’s program can pull together.
Not a stack of disconnected policies — the layers an obstetric and gynecologic practice actually needs, placed with carriers that write women’s-health risk.
- OB-GYN professional liability — obstetrics & gynecology
- Occurrence, claims-made, prior-acts & tail guidance
- Coverage for CNMs, nurse practitioners & sonographers
- Separate entity limits for the practice
- General liability
- Property & equipment — ultrasound & in-office devices
- Cyber liability & HIPAA — sensitive women’s-health data
- Business income / business interruption
- Workers’ comp / Texas non-subscriber guidance
- EPLI, D&O (groups) + umbrella
Start here
Request your OB-GYN insurance review.
Tell us about your practice — OB, GYN, or full-spectrum, your delivery volume, your providers, and the services you offer. We’ll map your exposures, place them with carriers that write women’s-health risk, and bring you a program that fits. No obligation.
- 1Tell us about your practiceOB/GYN mix, delivery volume, providers, and services.
- 2We map the real exposuresObstetric liability, tail, your providers, equipment, and data.
- 3You get options, explainedPlaced with carriers that understand women’s health.
Prefer to talk it through? Call (972) 696-9995 and tell us about your practice, your providers, and your timeline.
The standard behind the coverage
Protection that reflects the trust you’re given.
A practice entrusted with pregnancy and women’s health shows its standard in the details — including the ones patients never see. Working with a specialist means nothing about your coverage is improvised, and that quiet thoroughness becomes part of how your practice carries itself.
- Direct access to the carriers that genuinely write obstetric and women’s-health risk — so your program is built on expertise, not guesswork.
- Occurrence, tail, and prior-acts are structured so there’s no gap across the long life of an OB claim — protected properly, not partially.
- Founded in 2023 inside Frisco Station with capability across Texas — we grow with you through associates, providers, and groups, so your protection keeps pace with your reputation.
OB-GYN & women’s-health insurance questions
The questions OB-GYN practices ask us most.
How much does OB-GYN practice insurance cost?
OB-GYN is one of the most expensive specialties to insure, because obstetrics carries catastrophic exposure — but Texas is far more favorable than many states. Nationally, malpractice premiums range from roughly the $40,000s in lower-risk markets to well over $200,000 in high-litigation states like New York and Florida; Texas, after its 2003 damage caps, sits much closer to the lower end. Dropping obstetrics (gynecology-only) can reduce malpractice cost substantially. Standard limits are $1M per claim / $3M aggregate, though many OB practices carry more. Beyond malpractice, the rest of the program — property and ultrasound equipment, cyber, workers’ comp, the practice entity — is modest by comparison. Your specialty mix, delivery volume, and limits give the real number, which is what your quote does.
How do Texas malpractice damage caps affect what I pay?
Significantly — it’s one of the reasons practicing OB in Texas is more sustainable than in many states. In 2003, Texas capped non-economic damages (pain and suffering) at $250,000 against physicians, with a separate $250,000 per healthcare institution. The caps aren’t indexed for inflation, and economic damages — lifetime medical care and lost earnings — remain uncapped, which still matters in a severe birth-injury claim. After the caps, malpractice premiums fell sharply, carriers re-entered the market, and the number of obstetricians practicing in Texas rose markedly. The practical effect: a Texas OB-GYN generally pays far less than one in New York, Florida, or Illinois — and we place your coverage with the carriers that compete hardest in this market.
Claims-made or occurrence — and why does tail coverage matter so much in OB?
It matters more in OB-GYN than almost anywhere, because of how long a claim can take to appear. A birth-injury claim can be filed on a child’s behalf years after the delivery — in many states until the child reaches adulthood. An occurrence policy covers an incident whenever the claim arrives, which is why many obstetricians prefer it. A claims-made policy costs less up front but needs tail coverage when you change carriers, retire, or stop delivering — and OB tail is among the most expensive there is, often a multiple of your annual premium. We structure occurrence, claims-made, prior-acts, and tail so there’s no gap across the full life of an obstetric claim.
Does the practice need its own coverage, and are our midwives and NPs covered?
Usually, yes. If your practice is incorporated, carrying separate limits for the entity keeps a single claim from forcing the physician and the practice to share one limit. And your certified nurse-midwives, nurse practitioners, and sonographers each create exposure that should be named and covered — not assumed. As you add associates or join a group, we keep everyone protected without gaps as people come and go.
How is our patient data protected — including sensitive women’s-health records?
Women’s-health and reproductive records are among the most sensitive information any practice holds, which makes a breach both a HIPAA matter and a deeply personal one for your patients. Cyber liability and HIPAA breach-response coverage handles the cost of a breach — notification, investigation, regulatory response, and getting your systems back so you can see patients — while protecting the trust your patients place in you. We’ll also walk through the practical safeguards that keep a claim from happening in the first place.
If we add fertility, expanded ultrasound, or aesthetic services, are those covered?
They can be — but they have to be named. Many women’s-health practices add fertility or assisted-reproductive services, expanded ultrasound, or aesthetic treatments, and some standard policies exclude assisted reproductive technology or cosmetic work unless it’s specifically disclosed. We make sure every service line you offer is written into the program, so a fast-growing part of your practice doesn’t fall into a quiet exclusion.
Protect the practice you’ve built.
The same care you give your patients — applied to everything that keeps your practice running, for as long as they count on you.
Continue your planning