Clean claims, clean records.
Errors and omissions for coding and claims mistakes, cyber liability for patient data, crime coverage and general liability for medical billing and coding companies.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Codes, payers and patient data
When a billing company miscodes, misses a filing deadline or underbills, the provider loses money and often blames the biller. When codes are inflated, payers can demand refunds. E&O is what defends you in those disputes.
You're also a HIPAA business associate holding protected health information for every client. A breach brings notice costs, forensics and possible regulator action, so cyber coverage belongs in the same plan.
- Errors and omissionsCoding and claims mistakes.
- Cyber liabilityPatient data breaches and ransomware.
- CrimeEmployee theft and funds fraud.
- General liabilityOffice visitors and contracts.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Services: coding, billing, collections or credentialing.
- Clients: number and specialties.
- Records: how many patients' data you hold.
- Security: MFA, backups and encryption.
- Revenue: annual figure.
- History: current policies and claims.
Medical billing insurance, answered
Are billing companies HIPAA business associates?
Usually yes. HHS treats a billing company that handles protected health information for a provider as a business associate.
Does E&O cover a payer audit or refund demand?
Some policies add billing errors and regulatory coverage. Repaying money you weren't owed is often excluded.
Do my clients require insurance?
Many contracts ask for E&O and cyber at set limits. Send me the contract and I'll match it.
What about offshore staff?
Tell me where staff and data sit. Insurers ask about it.
Do you offer medical billing insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Official sources
Cover the codes and the data
Tell me what you do for your clients and how many records you hold. I'll quote E&O and cyber together.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. Your application link comes by email right away, and you get an update at every step until your quotes are ready.
(877) 711-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.