Medical & Dental Practice Insurance: Guarding the Healers
You Save the Patients. The Pack Saves Your Assets.
Let’s be honest: You didn’t survive organic chemistry and a decade of residency just to spend your afternoons arguing with a generic insurance drone about "aggregate limits." In the high-stakes world of Washington healthcare, you’re the Alpha. But even an Alpha needs a pack that knows how to circle the wagons when the lawyers—or the regulators—start howling.
At Hood Insurance Agency, we specialize in protecting Lynnwood’s medical and dental elite. We don't do "one-size-fits-all" policies because your practice isn't a suburban shoe store. It’s a complex ecosystem of high-value tech, sensitive data, and the ever-present threat of someone looking for a "nuclear" payday.
Why Your Current Coverage is Probably "Anaemic"
If you bought your policy from a giant national company that treats you like a policy number, you’re likely walking around with a giant bullseye on your scrub-covered back. Here is why your 2026 risk profile needs a "Wolf Pack" audit:
The 2026 Rate Fever: The Washington Insurance Commissioner hasn’t been kind to healthcare providers this year. While other agencies just send you a bill with a "sorry about that" shrug, The Pack actually hunts. We dig into the data to find the credits and specialized carriers that keep your overhead from redlining.
The "Paper Cut" Lawsuit: In a world of "nuclear verdicts," a standard liability policy is about as useful as a screen door on a submarine. We ensure your Malpractice limits are built for 2026 realities, not 1995 prices.
HIPAA Hysteria: A data breach isn't just an "oops" anymore; it's a regulatory colonoscopy. New 2026 mandates require you to be back online in 72 hours. If your Cyber policy is just a "tacked-on" rider, you aren't protected—you’re just optimistic.
The "Alpha" Medical Suite
We build a defensive perimeter around your practice that’s tougher than a sterilized scalpel:
1. Malpractice (Professional Liability)
Whether you’re an oral surgeon in Edmonds or a pediatrician in Lynnwood, we secure the kind of defense that makes opposing counsel decide to go pick on someone else.
2. The "Digital Den" Protection (Cyber & HIPAA)
We don't just cover the breach; we cover the fallout. That means forensic investigators to find the leak, legal teams to handle the OIC, and the "rapid restoration" funds needed to meet those pesky new 72-hour federal rules.
3. Business Owners Policy (BOP) with "Bite"
If your $150k 3D dental scanner decides to give up the ghost, or a pipe bursts in the suite above you, "standard" property insurance will have you filling out forms for months. Our BOPs include Equipment Breakdown and Practice Interruption coverage that actually pays the bills while the restoration crew is drying the carpets.
4. Washington Stop-Gap (The L&I Shield)
If an employee sues you for an injury, L&I won't help you. Our Stop-Gap coverage is the secondary set of teeth your practice needs to survive a courtroom.
Leading the Pack in the PNW
"Most insurance agents are like house cats—they’re fine until things get real. When the risk hits the fan, you want a wolf." — Jon Hood, Founder & CEO
We’re local, we have an Army Reserve background, and we have a very low tolerance for insurance jargon. We make things clear, we make them actionable, and we make sure you’re the best-protected practitioner in Snohomish County.
Time for a Checkup?
Don't wait for your renewal to find out you're the "prey" in your current policy. Let the Hood Insurance Pack perform a ruthless audit of your coverage.t your den is drafty. Let's run a Pack Audit on your current business coverage today.
[Request a Consultation] or [(425) 689-5855] "The Pack Has Your Back."