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HealthTech and digital risk placed with established UK insurers
INSURANCE FOR HEALTHTECH SOFTWARE & DIGITAL HEALTH PLATFORMS
When Health, Data & Technology Meet, the Risk Profile Changes
HealthTech software often sits at the intersection of clinical decision-making, patient journeys, NHS workflows, remote monitoring and sensitive health data. Even where you are not providing medical advice directly, your platform may influence how information is captured, shared or acted upon.
Insure24 arranges insurance for HealthTech companies that reflects your role in the care ecosystem – from patient-facing apps and telehealth platforms through to clinician tools, scheduling systems and data analytics – combining technology, cyber and professional risk protection.
Core Insurance Covers for HealthTech Software Companies
Bringing together technology, data and healthcare exposure in one programme.
Professional Indemnity & Tech E&O
- Professional Indemnity – protection against allegations that your software, implementation or configuration work caused financial loss or operational disruption.
- Technology Errors & Omissions – cover where the platform fails to perform as intended or does not meet specified functionality or uptime commitments.
- Financial Loss extensions – for claims where the main impact is financial rather than physical damage.
- Defence costs – legal representation and defence for covered claims and allegations.
- Cover tailored to your role – patient-facing tools, clinician-support systems or back-office health operations platforms.
- Options to address exposure from configuration, customisation and integration work.
Cyber, Liability & Management Protection
- Cyber & Data Insurance – data breach response, ransomware, privacy incidents and business interruption arising from cyber events.
- Public & Products Liability – injury or property damage arising from your activities or installed equipment.
- Employers’ Liability – legally required if you employ staff, including engineers and clinical liaison roles.
- Directors’ & Officers’ (D&O) – personal protection for founders and board members in a regulated, investor-backed environment.
- Legal Expenses – support for certain contract, employment and tax disputes (where arranged).
- Office & Equipment – cover for laptops, servers, medical-grade devices you own and other business contents.
Who Is HealthTech Software Insurance For?
For UK-based digital health and medical software businesses at any stage of growth.
Types of HealthTech & Digital Health Businesses
- Patient engagement and remote monitoring apps.
- Telehealth, virtual consultation and triage platforms.
- Clinical workflow, scheduling and practice management systems.
- EHR / EMR integrations and interoperability tools.
- Health data analytics, dashboards and population health tools.
- Software used by private healthcare providers, NHS suppliers or occupational health providers.
Business Models & Routes to Market
- SaaS platforms sold to clinics, providers, employers or commissioners.
- Custom-build projects for hospitals, private clinics or health networks.
- Hybrid models combining device, sensor or wearable data with software analytics.
- Marketplace or platform businesses connecting patients with clinicians.
- Early-stage digital health startups building MVPs and pilots.
- Scale-up HealthTech companies with UK and international client bases.
Key Risks for HealthTech Software Companies
Where things can go wrong when software interacts with healthcare processes and data.
Technology & Operational Risks
- System outages or downtime affecting appointment booking or care coordination.
- Software defects impacting data integrity, records or workflows.
- Integration failures with clinical systems, APIs or third-party platforms.
- Disputes around performance, SLAs, security commitments or uptime guarantees.
- Complex projects with multiple suppliers and shared responsibilities.
- Misalignment between what was promised in pilot stages and production performance.
Data, Regulatory & Commercial Risks
- Handling large volumes of sensitive health and personal data.
- Cyber incidents leading to data breaches or service disruption.
- Pressure from contracts with healthcare providers, NHS bodies or insurers.
- Increased scrutiny from regulators, investors or partner organisations.
- Questions around roles and responsibilities where software informs clinical decisions.
- Intellectual property disputes around code, algorithms or data models.
How Insurance for HealthTech Software Companies Is Arranged
Pragmatic risk protection to support contracts, funding rounds and growth.
1. Understand Your Product, Data & Clients
- We discuss what your platform does – and where it fits in the care pathway or admin flow.
- We review who your customers are – private providers, NHS organisations, employers or consumers.
- We look at the data you process, host or access, and your cyber/security posture.
- We consider your revenue model, SLAs and any indemnity/limitation clauses in contracts.
- We take into account investor expectations and any due diligence feedback.
2. Build a Combined Tech, Cyber & Management Programme
- Set PI / Tech E&O limits aligned to your largest contracts and risk appetite.
- Add cyber cover for data, privacy and system interruption risks.
- Include PL and Employers’ Liability to meet legal and contractual requirements.
- Consider D&O to protect founders and board members as you scale.
- Review cover annually as you expand to new markets, modules or partners.
Selling into healthcare means heightened expectations around risk and resilience. Having a joined-up insurance programme in place has made procurement conversations with providers and investors much easier.
Co-Founder, UK HealthTech Platform
PROTECT YOUR HEALTHTECH PLATFORM
& SUPPORT CLINICAL & DATA STAKEHOLDERS
WHY HEALTHTECH COMPANIES WORK WITH INSURE24
- Understanding of the pressures of selling technology into healthcare settings.
- Experience with software, cyber and management risk in tech-led businesses.
- Ability to align cover with procurement, tender and partner requirements.
- Clear, practical explanations for founders, boards and non-technical stakeholders.
- Support as you move from pilots and trials to scaled rollouts and international growth.
FREQUENTLY ASKED QUESTIONS
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Why do HealthTech software companies need specialist insurance?
HealthTech businesses bring together technology, sensitive data and clinical workflows.
The impact of failure can be higher than in many other sectors, and clients often expect contract-ready PI,
Tech E&O and cyber cover as standard.
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We don’t provide medical advice – do we still need PI or Tech E&O?
Even if you are not giving clinical advice, clients may rely on your platform for information, workflows or
communication. If they allege the software contributed to a problem or loss, PI/Tech E&O can help defend your business.
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How is HealthTech insurance different from standard software insurance?
The core structures are similar, but insurers pay closer attention to data sensitivity, regulatory context,
client types and how closely your platform interacts with clinical decisions or care delivery.
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Will this cover us if we sell to NHS organisations or large healthcare providers?
Policies can be structured to support contracts with NHS and large healthcare groups, subject to insurer
appetite and information provided. We will align limits and wording as closely as possible with their requirements.
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Does this insurance make us compliant with medical device regulations?
No. Insurance is separate from regulatory compliance. You remain responsible for understanding and meeting
any medical device or digital health regulatory obligations. Insurance is there to protect you against certain claims and financial impacts.
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Does cyber insurance cover data breach notification and response costs?
A well-structured cyber policy can include incident response support, legal and PR advice, notification
costs, forensics and certain business interruption losses. We will outline exactly what is and isn’t covered.
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Are pilots and proof-of-concept projects covered, or only live deployments?
Insurance normally applies to your activities whether in pilot, test or live environments, as long as
they fall within the declared business description. We’ll make sure your policy reflects how you are actually operating.
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Can we cover international clients and deployments?
Many policies can include overseas work, subject to territorial and jurisdiction limits.
We’ll discuss your current footprint and expansion plans so insurers can respond accordingly.
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How much does HealthTech software insurance cost?
Pricing depends on revenue, data sensitivity, client types, geographies, PI/cyber limits and claims
history. Early-stage HealthTech companies are often surprised how achievable a suitable insurance package can be.
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How do we get a quote for HealthTech software insurance?
Share a short overview of your platform, client base, data profile and contracts with Insure24.
We will review any existing policies and arrange tailored PI, Tech E&O, cyber and liability cover for your HealthTech business.