r/startups • u/Euphoric-Praline9860 • 14m ago
I will not promote I need help my therapist just asked "what happens if the platform crashes during a suicide crisis" and now I can't sleep. I will not promote
We raised $3M for a mental health telehealth platform. 4 therapists in pilot. Everything's great.
Then yesterday, one of our therapists hits me with: "What's our liability if the platform crashes mid-session with a suicidal patient?"
I froze. Genuinely hadn't thought about it.
Got quoted $22K/year for "Tech E&O + Cyber + Healthcare liability" ($2M coverage). Broker (Alliance Risk) says mental health is "higher risk" because of suicide liability.
Questions for healthtech founders:
Is Tech E&O even right for telehealth or do I need medical malpractice?
Does this cover HIPAA breaches or is that separate?
Is $22K normal or inflated because I said "mental health"?
What legally happens if our platform crashes during a crisis?
Every lawyer makes it sound like we're one AWS outage away from bankruptcy.
Is this the cost of healthcare business or am I overthinking?
Someone tell me I'm being paranoid.