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Why do surgeons need business insurance?
Malpractice insurance helps pay for legal costs when a mistake happens in the operating room. Other policies can cover expenses from data breaches, auto accidents, property damage, and work-related injuries, giving you the peace of mind to focus on patient care.
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Insureon helps surgeons compare quotes from top U.S. insurance carriers online.
Fill out one easy application to find coverage that fits your practice.
How do I get medical malpractice insurance?
It's easy to get free quotes for medical malpractice insurance with Insureon. We'll ask you basic facts about your business to help you find coverage that matches your unique risks and meets the requirements in your state.
Contact our dedicated medical malpractice insurance specialist to get started.
What types of insurance do surgeons need?
These insurance products cover the most common risks faced by surgeons.
General liability insurance
A general liability policy covers basic third-party risks, such as a patient who trips and suffers an injury in the waiting room. It's often required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Libel and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for surgeons to buy general liability coverage and commercial property insurance together.
BEST FOR
- Slip-and-fall accidents
- Damage to a patient's property
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for surgery centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Cyber insurance
Cyber liability insurance helps surgeons recover financially from data breaches and cyberattacks. It can often be added to a BOP or general liability policy for savings.
BEST FOR
- Customer notification expenses
- Data breach investigations
- Fraud monitoring services
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by a surgery center. It helps cover the cost of an accident involving your business vehicle.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does business insurance cost for medical professionals?
A surgeon who performs routine operations can expect to pay less for insurance than a surgeon who operates on high-risk patients.
Factors that affect insurance premiums include:
- Types of surgery offered
- Medical equipment and property
- Business income
- Types of insurance purchased
- Deductibles, limits, and coverage options
How do I get business insurance for surgeons?
It's easy to get business insurance for surgeons if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
For medical malpractice coverage, you can contact our dedicated agent by sending an email to [email protected] or by calling (312) 854-2919. They can help you find insurance quotes for malpractice and other common policies that your practice needs.
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your medical practice, whether you work independently or hire employees.
FAQs about surgeon insurance
Why do surgeons need to carry malpractice insurance?
If a patient files a lawsuit because of a mistake you made, legal defense costs could devastate your practice and your personal assets. Malpractice insurance, also called professional liability insurance, is crucial for surgeons for several reasons:
- About 60 percent of surgeons face a malpractice claim at some point in their career, making them one of the most at-risk healthcare providers.
- State laws sometimes require surgeons and other doctors to carry a certain amount of malpractice insurance.
- Even when it's not required by law, the healthcare facility you work for may require this insurance.
Keep in mind that malpractice insurance is a claims-made insurance policy, which means it must be kept active in order to file a claim. It's important to make sure your policy includes tail coverage so you can still file a claim after you cancel your policy.
How can surgeons reduce the risk of a malpractice lawsuit?
Even the best surgeon can face a frivolous lawsuit, which is why you always need insurance. However, it is possible to reduce the risk of a malpractice lawsuit:
- Communicate clearly and openly with patients. Keep them informed of any risks involved with a surgical procedure, and follow up to see how they're doing after surgery.
- Document all communications with patients, including conversations. A paper trail helps clear up disagreements before they can become a lawsuit.
- Be careful. You're less likely to be sued if you don't make mistakes. Take the time to perform your work carefully and accurately, and give referrals when appropriate.
What is the difference between a general surgeon and a specialist?
Both general surgeons and specialist surgeons need insurance, though they perform different types of work.
- General surgeons perform a wide range of surgeries, often focused on the abdominal area or trauma. They typically undergo four years of medical school followed by a five-year residency in general surgery.
- Specialist surgeons follow up their surgical training with a couple years of specialist training in a certain area. For example, they might become a cardiac surgeon, oral surgeon, pediatric surgeon, or plastic surgeon.
When buying surgeon insurance, it's important to communicate what type of work you do, so you can make sure your risks are covered. Everyone in the operating room should carry insurance, from the surgeon to the surgeon's assistant.
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