What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Specialized Trades · Calculator, Comparison & Guide

Health Care Professions Insurance: Calculator, Comparison Table & Guide

Clinics, med spas, home health, physical therapy, and allied practices (physician malpractice has its own tool).

1. Calculator
2. Comparison
3. Guide
FAQ

Prong 1 · Interactive Calculator

Health Care Practice Coverage Estimator

Clinics, med spas, home health, physical therapy, and allied practices (physician malpractice has its own tool).

Practice type

Licensed providers (non-MD)

Annual revenue ($)

Payroll ($)

Patient records on file

Equipment & contents ($)

Results
Line	Estimate
Professional liability (per-provider basis)	—
General liability / premises	—
Cyber / HIPAA breach response	—
Property + equipment breakdown	—
Workers' comp (8832/8835)	—
Employment practices	—
Estimated annual package	—

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

Get the real number — Start Smart Intake

Prong 2 · Comparison Table

Health Care Coverage Structures

Package vs. specialty vs. group-purchase.

Criterion	Health Care BOP	Allied Health Package	Group / Association Program
Professional liability	Shared with GL	Separate, claims-made	Separate, occurrence available
Abuse & molestation	Limited	Included	Included
HIPAA fines & penalties	Optional	Included	Included
Employed physician coverage	Excluded	Optional	Included
Telehealth	Limited	Included	Included
Consent-to-settle clause	Excluded	Varies	Included
Best fit	Single-location allied	Multi-provider clinics	Networks, franchises

Included: covered in base form
Excluded: not available
Optional: available by endorsement
Limited: sublimited or conditional

Prong 3 · Deep-Dive Guide

Health Care Practice Insurance: Beyond Malpractice

The eight coverages a clinic or allied-health practice needs, and the three that get missed.

Professional vs. general liability

PL responds to treatment. GL responds to the slip in the lobby. A single 'health care package' can bundle both, but the PL limits must be separate.

Occurrence PL where available; claims-made with tail otherwise
Per-provider limits, not shared
Consent-to-settle clause protects your license record

Regulatory: HIPAA, licensing, billing

A HIPAA breach or a billing audit is now more likely than a malpractice suit for most practices.

Cyber with HIPAA regulatory defense and fines (where insurable)
Billing E&O / regulatory audit coverage
Licensing board defense sublimit ≥ $50K

Abuse & molestation

Every practice with hands-on treatment or vulnerable patients needs it, and many forms exclude it.

Affirmative coverage, not silence
Limits at least $1M
Background-check and chaperone policies documented

Frequently Asked Questions

My employed NPs have their own policies — do I still need PL?

Yes. The entity is sued separately (vicarious liability, negligent hiring/supervision). Entity PL is standard.

Is telehealth covered?

Only if the policy says so and the provider is licensed in the patient's state. Ask for affirmative telehealth wording.

What's a 'tail' and when do I need one?

Extended reporting on a claims-made policy. Needed when you switch carriers without prior-acts coverage, retire, or close.

Related: medical practice insurance · clinic insurance · health care professional liability · home health insurance

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your health care professions exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

Start Smart Intake

Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.