Medical Office & Healthcare Practice Insurance
Medical offices face malpractice claims, HIPAA data breaches, employee injuries, and expensive equipment losses. Our healthcare practice insurance programs address the full spectrum of risks for medical and dental offices.
Coverages we place
- Professional liability (malpractice) for medical errors
- General liability for patient slip-and-fall and property damage
- Commercial property for medical equipment and office contents
- Cyber liability and HIPAA breach response coverage
- Workers' comp for clinical and administrative staff
- Business income for office closures and disasters
- Equipment breakdown for diagnostic and treatment equipment
- EPLI for employment-related claims
Who needs this coverage
Medical offices, dental practices, urgent care clinics, physical therapy offices, chiropractic clinics, optometry practices, and outpatient surgery centers.
What drives your premium
- Medical specialty (surgery has higher malpractice rates)
- Number of practitioners and staff
- Annual revenue and patient volume
- Procedures performed (invasive vs. non-invasive)
- Medical equipment value
- Electronic health records and data systems
Common exclusions
- Hospital-level malpractice (need hospital professional liability)
- Experimental or unapproved treatments
- Fraudulent billing or intentional misconduct
- Pharmaceutical manufacturing liability
- Clinical trials (separate coverage required)
Frequently asked questions
What insurance do medical offices need?
Malpractice insurance, general liability, commercial property, workers' comp, and cyber liability with HIPAA breach coverage. Most medical offices also benefit from business income and equipment breakdown coverage.
Does my malpractice policy cover all staff?
Most practice policies cover employed providers. Independent contractors, locum tenens, and nurse practitioners may need to be specifically named or carry their own policies.
How does cyber insurance help with HIPAA?
Cyber liability covers HIPAA breach notification costs, forensic investigation, credit monitoring for affected patients, regulatory fines, and legal defense — essential for any office handling PHI.
Related coverage
Get a free quote or call (321) 206-8035.