Miscellaneous E&O for Medical Billers

Miscellaneous E&O for Medical Billers is uniquely designed for medical billers, coders and other revenue cycle management professionals in the healthcare industry and provides coverage for services to unrelated third party clients.


  • Limits Up To:
    E&O: $5,000,000; Cyber Secure: $1,000,000; MEDEFENSE® Plus: $1,000,000
  • Minimum Premium: $3,000
  • Minimum Deductible: $2,500
  • Claims Made Policy
  • Duty to Defend (not for MEDEFENSE® Plus)
  • Prior Acts Available
  • Policy form provides personal and advertising injury coverage 

Summary of Coverage

This program is for Medical Billers & Coders who provide services for a fee to clients/third parties. It provides three insurance products in one policy:

  • Misc. E&O - Coverage for third party claims arising out of a Wrongful Act in the performance of or failure to perform Medical Billing & Coding Services.
  • Cyber Secure - Cyber Liability coverage for first and third party claims as a result of a network security or privacy breach.
  • MEDEFENSE® Plus - Coverage for defense costs, audit expenses, and civil fines and penalties arising out of a regulatory action alleging Billing Errors, HIPAA, EMTALA and/or STARK Violations. 

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions.