Medical & Physician Offices insurance · Nationwide
Coverage built around the practice, not just the physician
Malpractice exposure, HIPAA-regulated patient data, a waiting room full of visitors: running a medical office means carrying both clinical and general-business risk at once. We connect you with specialists who structure both correctly.
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Coverage medical practices carry
A practice carries two unrelated liabilities at once. Malpractice answers for clinical decisions and is the one everyone plans for; the patient record is the other, and a breach of it brings regulators, notification duties and costs that arrive whether or not anyone was harmed.
Medical Malpractice
Claims arising from diagnosis, treatment, and clinical decisions made in the practice.
Check whether the policy is claims-made or occurrence. Claims-made needs tail coverage when a physician leaves, and that gap is the most expensive one to discover late.
General Liability
Injury to patients and visitors in the waiting room, corridors, and parking lot: anything not clinical.
The dividing line matters at claim time: a fall in reception is general liability, a fall from an exam table during treatment is usually malpractice.
Cyber Liability
Breach response, patient notification, regulatory defense, and ransomware recovery.
HIPAA makes notification mandatory and the count is per record. Healthcare is the most-targeted sector for ransomware, and downtime stops clinics as well as billing.
Commercial Property
Your premises, diagnostic and imaging equipment, and stock of supplies against fire, water, and storms.
Imaging equipment is usually the largest single value in the building and is often insured at book rather than replacement cost. Include business income.
Workers' Compensation
Medical bills and lost wages for needlestick injuries, patient-handling strains, and slips.
Required in nearly every state with employees. Needlesticks bring a testing and prophylaxis protocol with them, which is a cost even when nothing is transmitted.
Commercial Umbrella
Extra limits above general liability and property: separate from, and never on top of, the malpractice limit.
Hospital privileges and payer contracts often specify minimums. It sits above general liability and auto, not above the malpractice limit, which stands alone.
FAQFrequently Asked Questions
No: malpractice (professional liability) covers claims about clinical care and diagnosis. General liability covers non-clinical incidents like a visitor slip-and-fall. A medical office typically needs both.
HIPAA compliance reduces your risk of a breach, but it doesn't cover the financial cost if one happens anyway. Notification, credit monitoring, regulatory fines, and third-party claims. Cyber liability is the coverage for those costs.
It can be structured either way depending on how your practice is set up, as individual physician policies, a practice-level policy, or both. We'll help you determine the right structure for a multi-provider office.
That's a general liability claim, not a malpractice claim: standard premises liability covers injuries in your office space that aren't related to clinical care.