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.