Virtual care still carries real liability.
Malpractice, cyber liability and technology E&O for telemedicine providers, virtual behavioral health practices and telehealth platforms.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Patients in other states, data in the cloud
Telehealth providers face the same malpractice risks as in-person care, plus questions about where patients are located and whether providers are licensed there. Every visit also creates patient data to protect.
I place telehealth practices with malpractice markets that cover virtual care across the states you see patients in, and pair them with cyber and, for platforms, technology E&O.
- MalpracticeClaims arising from virtual care.
- Cyber liabilityPatient data breaches and ransomware.
- Tech E&OPlatform failures, for telehealth companies.
- Multi-stateCoverage where your patients are.
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: what care you provide virtually.
- Providers: number and licenses.
- States: where your patients are located.
- Prescribing: whether you prescribe.
- Data: security and platforms used.
- History: current policies and claims.
Telehealth insurance, answered
Does my malpractice policy cover telehealth?
Many do, but check the territory and any limits on virtual care, especially for patients in other states.
What about patients outside California?
Licensure generally follows where the patient is. The policy should cover the states you're licensed and practicing in.
Do telehealth companies need tech E&O?
Platforms usually do, for claims that the technology failed.
Is cyber necessary?
Yes. Telehealth runs on patient data, and a breach brings notification costs and regulatory exposure.
Send your practice details. I'll shop it.
Services, providers and patient states are enough to start.
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. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 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.