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HRTU Partner

Insurance Solutions for HRT Providers & Wellness Practices

Protect your practice, your team, your family, and your future with insurance guidance designed for healthcare entrepreneurs.

  • Built for Healthcare Entrepreneurs

  • Practice & Personal Coverage

  • Personalized Insurance Guidance

Schedule a Free Consultation Request an Insurance Review
Built for healthcare entrepreneurs

Protecting more than your practice

Running an HRT or wellness practice means your financial responsibilities extend beyond patient care. Your income, your family, your employees, and the business you’ve worked to build may all depend on the right protection being in place.

As your role changes from healthcare provider to business owner, your insurance needs can change too. Kincaid Solutions helps you look at both sides of the picture — personal protection for you and your family, and business-focused solutions that support the practice you’re building.

  • Protect Your Income

    Your ability to work is one of your most valuable assets. Disability and income protection can help create a financial safety net if illness or injury interrupts your career.

  • Protect Your Family

    Life and health coverage can help protect the people who depend on you while your business continues to grow.

  • Protect Your Practice

    As you hire employees, expand services, or open additional locations, your business protection may need to evolve alongside your practice.

By stage of practice

Coverage that matches where you are today

We organize options around your business stage — not a generic product list — so the conversation actually fits your situation.

  1. 01

    Starting Your Practice

    • Life Insurance
    • Disability Insurance
    • Individual Health Coverage

  2. 02

    Growing Your Clinic

    • Employee Benefits
    • Group Health Plans
    • Business Insurance Guidance

  3. 03

    Protecting Your Future

    • Retirement Planning
    • Medicare Planning
    • Long-Term Financial Protection
As your practice grows

As your practice grows, so should your protection

Hiring your first employee, expanding your services, opening another location, or planning for retirement can all change what you need to protect. Regularly reviewing your coverage helps make sure your insurance strategy keeps pace with the business you’re building.

The next step is to tell us a little about your situation so we can help identify the coverage that may fit your personal and practice needs.

Ready to get started?

Apply Now

It’s fast and easy. Complete the preliminary application below, then schedule a live quote session so we can review your options and answer any questions you may have.

  1. 01

    Submit the Preliminary Application

    Complete the short application below so we can learn more about your personal and practice insurance needs.

  2. 02

    Schedule Your Quote Review

    After submitting the application, book a time on the calendar to review your quote and discuss your options.

Underwriting is fast, easy, and typically takes 30 days or less.

Common challenges

We help HRT providers navigate questions like:

If any of these sound like you, you’re in the right place — this is the work we do every day.

  • I’m leaving employer benefits. What are my options?
  • What insurance should I have as a practice owner?
  • How can I protect my income if I can’t work?
  • How do I offer benefits to my employees?
  • How do I protect my family while growing my business?
  • What coverage should I review each year?
Why HRT providers choose Kincaid Solutions

Independent. Experienced. Here for the long haul.

We don’t work for one insurance company. We work for you — and we stay with you as your practice grows.

  • Personalized Guidance

    Not one-size-fits-all recommendations. We start with your situation, then build coverage around it.

  • Multiple Insurance Options

    We’re independent. We compare carriers so you can see the trade-offs side by side.

  • Experience With Healthcare Professionals

    We work with NPs, HRT clinicians, and practice owners every day — we know the questions you’re about to ask.

  • Ongoing Support As Your Practice Evolves

    Renewals, new hires, expansions, retirement planning — we stay with you through every chapter.

Who we help

Healthcare entrepreneurs across specialties

  • Independent Nurse Practitioners
  • Functional Medicine Providers
  • Hormone Replacement Therapy Clinics
  • Wellness Practices
  • Medical Entrepreneurs
  • Self-Employed Healthcare Professionals
What to expect

A simple, five-step process

  1. Schedule a consultation

    Pick a time that works for you — a free, no-obligation call.

  2. Share your goals and current situation

    We listen first. No script. No pressure.

  3. Review personalized insurance options

    We compare carriers and explain what fits — and why.

  4. Choose the coverage that fits your needs

    You decide. We facilitate enrollment with the carrier.

  5. Receive ongoing support as your practice grows

    Renewals, claims, hires, expansions — we stay with you.

Start Your Application
Welcome, HRTU members

Proud to support the HRTU community

Kincaid Solutions is proud to support the HRTU community by providing personalized insurance guidance for healthcare professionals and practice owners. Whether you’re just getting started or growing an established clinic, we’re here to help you evaluate insurance solutions that fit your personal and business goals.

Frequently asked questions

What HRT providers ask most often

Still curious? Reach out — we’ll get back to you within one business day.

Ask Your Question
I’m opening an HRT clinic. What insurance should I consider?

At minimum: general liability and professional liability (malpractice) for the practice, property coverage if you have a physical space, workers’ comp once you hire, business interruption, and a personal disability policy. We’ll walk through each one and prioritize what you need before you open the doors versus what to add later.

Can you review my existing policies?

Yes — a no-pressure policy review is one of the most useful conversations we have. We’ll show you what you have, what’s competitive, what’s redundant, and where you have a coverage gap. If everything is in order, we’ll tell you that too.

Do I need disability insurance if I’m self-employed?

For most HRT providers, yes. Your ability to earn is your single largest asset. A personal disability policy replaces a portion of your income if illness or injury keeps you from practicing — and unlike employer policies, it follows you no matter how your practice changes.

What are my options for employee benefits?

Plenty. From traditional group health plans to Health Reimbursement Arrangements (HRAs), Health Matching Accounts, dental and vision, and supplemental benefits — we help you build a benefits package that’s competitive without overcommitting your budget.

Can you help if I practice in another state?

Yes. We’re licensed in 23 states and routinely serve HRT providers and other healthcare professionals nationwide through our HRTU partnership.

Do you work with both individuals and practices?

Both — and we usually start with both. The clinician’s personal coverage (life, disability, health) and the practice’s coverage (liability, group health, business continuity) work best when designed together.

Free, no-obligation consultation

Let’s protect what you’ve built

You’ve invested time, education, and resources into your practice. Let’s make sure your insurance strategy supports your long-term success.

Book Your Complimentary Consultation Request an Insurance Review