When offering health services via a platform, the platform act on behalf of the health services by offering access and facilitation of that service. This means there is a huge contingent exposure for the platform, if a claim occurred the platform could potentially be named in the lawsuit for providing the patient with access to substandard care (if there is any subsequent negligence committed). This could be because the platform failed to conduct background checks on the health service providers, or simply because the platform failed to ensure the service providers carried sufficient insurance. Telemedicine platforms should have defence costs to extract them from any legal action where the service provider(s) are found at fault or jointly at fault. CFCs eHealth policy provides contingent liability for providers performing services on behalf of the first name insured to protect an entity should an individual’s policy not respond for any reason.