Business Insurance for Doctors

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Doctors

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Why do doctors need insurance?

Running your own medical practice comes with a risk of malpractice claims and other liabilities. Business insurance can help mitigate the costs and uncertainty of patient lawsuits, damaged equipment, staff accidents, and data breaches. Some policies, like workers' comp, may be required by law.

Doctor writing on a clipboard in a medical office.

Find affordable coverage

Doctors can save money on insurance by comparing quotes from top-rated providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.

What types of business insurance do doctors need?

These insurance policies cover the most common risks for physicians.

Note: Insureon cannot provide quotes for professional liability insurance for doctors, also called medical malpractice insurance.

General liability insurance

A general liability policy covers basic third-party risks, such as a patient who trips and suffers an injury in your clinic. 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 BOP bundles commercial property insurance and general liability coverage under one plan. It's a cost-effective type of commercial insurance for physicians.

BEST FOR

Slip-and-fall accidents
Damaged patient property
Business property damage and theft

Workers’ compensation insurance

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

BEST FOR

Employee medical expenses
Disability benefits
Legal costs from employee injuries

Professional liability insurance

This policy covers financial losses when a patient sues over an error, such as a mistake in their records. It’s sometimes called a medical malpractice insurance policy.

BEST FOR

Failure to deliver promised services
Professional negligence
Mistakes or oversights

Commercial auto insurance

Most states require commercial auto insurance for vehicles owned by a doctor's office. 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

Cyber liability insurance

This policy helps medical professionals recover from data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.

BEST FOR

Customer notification expenses
Data breach lawsuits
Fraud monitoring costs

Looking for different coverage? See more policies.

How much does business insurance cost for doctors?

Healthcare professional below a thought bubble with a dollar sign.

A small doctor's office will pay less for insurance than a larger business.

Factors that affect premiums include:

Medical specialty, such as cardiology or dermatology
Medical equipment and property
Business income
Types of insurance purchased
Deductibles and other coverage options

View Costs

How do I get doctor's office insurance?

It's easy to get business insurance for doctors and physicians 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

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.

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