Healthcare Facilities Business Insurance

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Insureon has helped small businesses secure over 1.5 million policies.

Recommended insurance coverage for healthcare facilities

From medical offices to laser eye centers, small businesses can recover from litigation and losses with the right coverage. These policies protect against the most common risks of running a healthcare facility.

General liability insurance icon

General liability insurance

This insurance policy covers third-party lawsuits, such as a patient suing over a slip-and-fall injury or property damage that happened at your medical facility.

  • Slip-and-fall injuries
  • Damage to a patient's property
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for medical professionals to buy general liability coverage and commercial property insurance together.

  • Slip-and-fall accidents
  • Damage to medical equipment or your building
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for healthcare facilities that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Professional liability insurance icon

Professional liability / medical malpractice

This policy is also called errors and omissions (E&O) insurance, can cover legal costs if a practice is sued for negligence that led to an injury.

  • Incorrect diagnoses
  • Accusations of negligence
  • Mistakes or oversights
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers expenses if a vehicle owned by your healthcare facility gets into an accident. It also covers vehicle theft and vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vehicle theft and vandalism
Cyber insurance icon

Cyber insurance

Cyber liability insurance can help your medical facility recover from a data breach or cyberattack, such as a hacker stealing sensitive patient information.

  • Data breaches
  • Cost of notifying affected patients
  • Lawsuits over cyberattacks
Looking for different coverage? See more policies.

How much does healthcare facility insurance cost?

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Insurance companies will review several factors when calculating insurance costs and premiums, including:

  • The types of services offered, such as surgery or long-term care
  • Business equipment and property
  • Annual business revenue
  • Where your business operates
  • The number of people you employ
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How do I get healthcare facility business insurance?

It’s easy to find insurance for healthcare facilities. Whether you operate an outpatient facility, surgery center, or provide telemedicine services, you’ll need to have some basic information about your business available.

Our application will ask you for your annual revenue and payroll, among other details. You can buy a policy online and access a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare free quotes and choose a policy
  3. Pay for your policy and download a certificate for proof of insurance

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right coverage for your risk management plan, whether you’re a therapist at a small medical office or maintain a large-scale dialysis center.

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Common questions about healthcare facilities liability insurance

Are healthcare facilities required to offer malpractice insurance?

Healthcare facilities aren't mandated to offer or provide medical malpractice insurance, sometimes called medical professional liability insurance, for their physicians or staff members. However, depending on state laws, most facilities often have insurance requirements that physicians and certain staff members must meet in order to work at the facility. 

Additionally, it can also be beneficial for healthcare facilities to carry malpractice insurance. Should a patient claim your facility as secondary in their malpractice lawsuit, you could face indirect liability and be held responsible for the medical service of all healthcare professionals working on behalf of your organization.

Having the proper medical liability coverage could protect your healthcare facility from exposure to direct and indirect liability.

What other types of insurance should healthcare facilities carry?

There are several additional insurance policies for medical businesses to safeguard you and your facility from common risks and the resulting financial losses.

Fidelity bonds, a type of commercial crime insurance, would cover the cost of reimbursing patients should and employee commit fraud or theft under your business name. It's important to note that your business would have to repay the bond company for the cost of the reimbursement.

Surety bonds act as financial guarantee that your healthcare facility will operate lawfully under all state laws and federal regulations. Depending on where your center is located, a surety bond might be required before your business can begin operations.

Business income insurance, sometimes called business interruption insurance, covers financial losses if your business is forced to close temporarily due to a fire or extreme weather. It can often be added to a business owner's policy.

Commercial umbrella insurance covers legal expenses when the limit is reached on another liability policy, such as general liability, commercial auto insurance, or employers liability insurance.

Equipment breakdown coverage is a form of commercial insurance that provides funds to repair or replace damaged machinery or equipment that's suffered a mechanical or electrical failure.

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