If you're using NimbusRX to operate your telehealth or direct-to-consumer (DTC) health brand, it’s important to carry the right insurance to protect your business. Even though you are using external providers, external compounding pharmacies, and the NimbusRX platform, you are still considered a healthcare business in the eyes of regulators and insurers.
Below is a breakdown of the common insurance policies we recommend.
Purpose: Covers common business risks like property damage, physical injury, or accidents.
Recommended for: Any business with a physical office or presence (even part-time or shared).
Purpose: Covers you if someone claims your business made a mistake, gave incorrect advice, or failed to deliver services properly.
Why it matters: Even if you’re not the prescribing provider or pharmacy, you may still be liable if your coordination or platform use results in harm.
Purpose: Protects against data breaches, HIPAA violations, and cyberattacks.
Recommended for: All NimbusRX clients handling sensitive patient information or storing data digitally.
Note: You’re responsible for protecting your own business’s access points, marketing sites, emails, and devices.
Purpose: A bundled policy that includes General Liability + Property Insurance.
Recommended for: Cost-effective protection if you have office equipment, computers, or a physical location.
Purpose: Protects you in case a product you sell causes harm—especially relevant for branded supplements or wellness products.
Recommended for: Clients who sell white-labeled or custom-labeled supplements, test kits, or OTC products.
Purpose: Protects your leadership team from lawsuits related to decisions, company mismanagement, or fiduciary duty breaches.
Recommended for: Funded startups, businesses with investors, or any company with a board of directors.
| Insurance Type | Recommended If You... |
|---|---|
| Workers’ Compensation | Have employees (even remote ones) |
| Employment Practices Liability (EPLI) | Want protection from HR-related lawsuits |
| Media Liability Insurance | Run large ad campaigns or influencer programs |
| If you... | You likely need... |
|---|---|
| Run a telehealth or DTC health brand | E&O, Cyber, General Liability |
| Handle PHI or sensitive patient data | Cyber Liability (with HIPAA coverage) |
| Sell supplements or lab kits | Product Liability, E&O |
| Operate a physical office or fulfillment center | General Liability or BOP |
| Have a team or raise outside funding | Workers’ Comp, EPLI, D&O |
NimbusRX does not provide or resell insurance services. We strongly recommend consulting with a licensed insurance broker who understands digital health and telemedicine to ensure you’re covered based on your state laws and business model.
If you'd like us to connect you with a healthcare-friendly insurance broker, feel free to reach out to our support team.