What we place
Coverage
Nine programs, one discipline: read the policy, benchmark it against the market, place it with a carrier that will actually defend it, and stay in the file when a claim arrives.
Medical Professional Liability
Malpractice coverage for the clinicians and organizations delivering care, structured around the way the license is actually used.
Physicians
Individual, employed and independent-contractor physicians. Consent to settle, prior acts, tail, defense treatment and disciplinary-proceeding coverage.
See coverageAdvanced Practice Providers
Nurse practitioners, physician assistants, CRNAs, midwives and allied clinicians — including limits held separately from a supervising physician.
See coverageGroup Practices & Clinics
Entity coverage, shared versus separate limits, slot positions, locum tenens, and partner additions and departures without a gap.
See coverageMedical Facilities & Hospitals
Acute, post-acute, ambulatory surgery and behavioral health. Layered limits, retention analysis and employee benefits liability.
See coverageProfessional Services
Liability coverage for licensed professionals whose exposure is advice, judgment and the duty owed to a client.
Business & Personal Risk
The coverage that has to work alongside a professional liability program — and the gaps that open where they meet.
Cyber Liability & Data Breach
Ransomware and extortion, social engineering, HIPAA and state regulatory response, business interruption and dependent vendor outages.
See coverageProperty & Casualty
Business owner's package, workers' compensation, errors and omissions, directors and officers, EPLI, umbrella, and bonds including ERISA.
See coverageIndividual Disability Insurance
True own-occupation income protection for specialists, with the definitions and riders that decide whether a claim pays.
See coverageIndividual Life Insurance
Term and permanent life, coordinated with buy-sell agreements, partnership obligations and practice debt.
See coverageHow placement works
An independent broker, or a carrier's sales channel. They are not the same thing.
RiskLinx is independent. We are not owned by a carrier and we are not obligated to place business anywhere in particular.
That matters most in the moments where interests diverge: when the incumbent's renewal is quietly ten points over market, when a cheaper form strips defense costs out of the limit, when a carrier's coverage position on a live claim is weaker than it sounds. In each of those, we work for you.
Every placement includes
- A complete submission built to get the market's attention, not a rushed application
- Side-by-side comparison of limits, retentions, definitions and exclusions
- Prior acts and tail continuity verified before anything is bound
- Written findings you can hand to a board or a managing partner
- Claims advocacy for the life of the policy
Next step
Not sure which of these you actually need?
That is the normal starting point. A strategy call sorts it out in about thirty minutes, with no application and no obligation.