Business Insurance for Doctors and Physicians

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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.

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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 and physicians need?

These insurance policies cover the most common risks for doctors and physicians.

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

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.

  • Slip-and-fall accidents
  • Damaged patient property
  • Libel and other advertising injuries
Business owner’s policy icon

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.

  • Slip-and-fall accidents
  • Damaged patient property
  • Business property damage and theft
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Disability benefits
  • Legal costs from employee injuries
Professional liability insurance icon

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.

  • Failure to deliver promised services
  • Professional negligence
  • Mistakes or oversights
Commercial auto insurance icon

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.

  • Damage caused by your vehicle
  • Medical bills from an auto accident
  • Vehicle theft and vandalism
Cyber liability insurance icon

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.

  • Customer notification expenses
  • Data breach lawsuits
  • Fraud monitoring costs
Looking for different coverage? See more policies.

How much does business insurance cost for doctors?

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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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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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