Healthcare

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A practice address appears on the organisation NPI that was not there before.

Details

Standard cover: Usually excluded
Needs: NPPES NPI Registry, Occupancy & build-out permits
Exposure: Premises liability and contents are scheduled per location, and a med-mal policy names the sites it covers.
Window: NPPES addresses lag opening by weeks to months
Misfires: Providers list billing addresses that are not clinical sites. Check the taxonomy at that address.

A surgical or interventional taxonomy is added where the practice held only office-based codes.

Details

Standard cover: Usually excluded
Needs: NPPES NPI Registry
Exposure: Malpractice is rated by specialty class, and office-based surgery sits several classes above consultation.
Window: At taxonomy update, usually before the first procedure
Misfires: A provider can hold a taxonomy they do not practise. Corroborate with a facility or equipment permit.

The entity is listed on the HHS portal for a breach of 500 or more records.

Details

Standard cover: Usually excluded
Needs: HHS Breach Portal
Exposure: The claim has already happened. What is open is the regulatory tail, and whether the cyber limit covers OCR penalties at all.
Window: Reportable within 60 days of discovery
Misfires: The listing names the covered entity, which may be a business associate rather than the practice.

A state attorney general publishes a notification naming the company.

Details

Standard cover: Usually excluded
Needs: State Breach Notifications
Exposure: The incident is public and the claim is live. What is open is whether the cyber tower covers notification costs and regulatory defence, which is where these run up.
Window: Filed within the state's notification deadline
Misfires: The filer may be a vendor reporting on a customer's behalf.