A Deeper Relationship. A Broader Responsibility.
Protecting the membership-based primary care model
Direct primary care and concierge practices replace insurance billing with a membership or retainer, trading a large patient panel for a smaller one and a far deeper relationship with each patient. That model changes the risk in ways a conventional primary-care policy doesn't anticipate. Patients expect expanded access — same-day visits, direct messaging, after-hours and telehealth contact, home visits — which widens the window in which a clinical decision can be second-guessed. The membership structure itself can draw regulatory questions about whether a retainer looks like insurance under state law. Fewer patients does not mean less liability; it means a higher-touch relationship with more points of contact.
Insuring a concierge practice is about covering a broader promise of access to each patient.
Key Risks in Operations
Medical malpractice across an expanded scope of access and services
After-hours, messaging, and home-visit exposure outside the traditional office
Telehealth and remote-care decisions
Membership and retainer-model regulatory exposure under state law
Broader standard-of-care expectations from a premium relationship
Cyber exposure from direct patient messaging and records
Employment exposure in a small, high-touch practice
Expanded access widens the window for a clinical dispute.
Core Coverages
Medical Professional Liability — Covers malpractice claims across the practice's expanded scope — office, telehealth, messaging, and home visits.
General Liability — Protects against slips, falls, and other third-party injuries at the practice.
Regulatory / Licensing Defense Coverage — Funds defense of medical-board inquiries and questions about the membership model under state law.
Cyber & Privacy Liability — Covers breaches of patient records and the direct-messaging and telehealth channels these practices rely on.
Commercial Property — Covers the office, equipment, and any in-house dispensing or lab.
Employment Practices Liability — Responds to claims from the practice's staff.
Workers' Compensation, Management Liability, Umbrella / Excess Liability — Round out the program for staff, leadership, and larger limits.
What's Commonly Overlooked
Direct primary care and concierge programs are often weakened by:
Malpractice scoped only to office visits, ignoring messaging, home visits, and telehealth
Membership-model regulatory exposure left unaddressed
After-hours and expanded-access risk treated as ordinary office care
Thin cyber coverage for heavy direct-messaging channels
Telehealth and cross-state contact overlooked
These gaps typically surface at claim time — not before.
An after-hours message or decision is blamed for a delayed diagnosis
A home visit or telehealth encounter leads to a malpractice claim
A regulator questions whether the retainer is acting as insurance
A data breach exposes the practice's messaging and records
A patient alleges the premium relationship promised a higher standard
A single expanded-access claim can arise from a channel a standard policy ignored.
Why Proper Placement Matters
Coverage varies significantly based on:
Scope of access — messaging, after-hours, home visits, and telehealth
The membership or retainer structure and state DPC law
In-house dispensing, labs, or procedures
Panel size and patient acuity
Cross-state telehealth contact
Improper placement can leave the expanded-access promise — the model's whole value — uninsured.
Our Approach
At Cory Washington & Co., we insure direct primary care and concierge practices around the broader promise they make — malpractice scoped to messaging, home visits, and telehealth, with regulatory and cyber coverage for the membership model behind it. For adjacent models, see our functional and integrative medicine, medical clinic, and telehealth and telemedicine pages.
Promise the access. We'll cover the responsibility.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages a direct primary care & concierge medicine business may carry — core, prevalent, and situational — plus the gap most often missed, in the Direct Primary Care & Concierge Medicine Coverage Checklist.
Complete the Direct Primary Care & Concierge Medicine Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get direct primary care & concierge medicine insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate direct primary care & concierge medicine insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How much does direct primary care & concierge medicine insurance cost?
It depends on your exposure. Direct primary care & concierge medicine insurance is priced on factors like your industry, size, prior claims, and the limits and deductibles you select — so two businesses rarely pay the same. We shop your account across competing carriers and present the trade-offs in plain English.
Who needs direct primary care & concierge medicine insurance?
Requirements vary. Direct primary care & concierge medicine insurance may be mandated by statute, or required under your contracts, leases, or loan agreements — and in many cases it is simply prudent given the risks involved. We look at your specific obligations and exposures, then recommend the coverage and limits that fit.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.