Business Insurance for Doctors and Physicians

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.

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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.

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 business insurance do doctors and physicians need?

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

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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Legal costs from employee injuries
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.

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

Cyber 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?

A healthcare worker calculating insurance costs.

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, such as tail coverage for claims that occur after your policy has expired
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How do I get doctor's office insurance?

It's easy to get business insurance for doctors, physicians, or 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:

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

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