Identify the systems and decision-makers
Record the electronic records platform, booking tools, billing providers and shared access arrangements. Explain who controls notification and response. Ask about cyber-response costs and allegations against the clinic; professional assistance arrangements may have a different scope from a cyber policy.
Who coordinates the response and which costs require insurer approval?
Test the interruption scenario
Describe loss of access to records, a supplier outage and damage at the premises as separate scenarios. Ask about triggers, waiting periods, exclusions and ongoing expenses. Keep the business continuity plan aligned with realistic manual processes and equipment or system recovery times.
Which types of downtime qualify under each proposed policy?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Clinic ownership and named entities
- Practitioner and employee roster
- Equipment values and leases
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.