Medical Office Insurance
Coverage for Medical Practices
Stay protected with medical office insurance, so you can keep caring without worry
Explore important insurance for an essential business
Just as your patients need coverage, your medical office needs protection too. A medical office insurance policy safeguards your practice from the unique risks that come with running a healthcare facility, giving you peace of mind to focus on patient care.
The risks your medical office faces
Medical offices face a wide range of potential risks. While no policy covers every scenario, medical office insurance can protect against many common exposures, including:
Cyber crime – Protects against data breaches of sensitive patient information.
Employee lawsuits – Coverage for claims of wrongful termination, harassment, or discrimination.
Fiduciary crime – Protection against theft or mismanagement of employee benefits funds.
Medical malpractice – Coverage for claims related to professional services (often purchased separately).
Medical equipment replacement – Protects expensive diagnostic or treatment equipment.
Needlestick injuries – Liability protection for employee injuries.
Regulatory billing errors – Coverage for accidental errors in insurance billing or coding.
Spoilage of medical supplies – Protection against loss due to refrigeration failure or mechanical breakdown.
The business side of medical offices
In addition to these healthcare-specific risks, your policy may include coverage for general business exposures:
Property damage or loss to your office building and contents
Liability for injuries to visitors or patients
Loss of income if your office is temporarily unusable
These protections help keep your practice running even in the face of unexpected events.
Coverage against unique medical office risks
Medical offices handle high-value equipment and sensitive information, which can create additional exposures:
Power outages or equipment failure could spoil vaccines or other medical products.
Data breaches or cyberattacks can compromise patient records.
Fire or water damage can destroy paper or electronic records.
Having insurance designed for medical offices helps mitigate these risks and cover replacement or restoration costs.
Medical malpractice requires separate coverage
It’s important to note that standard medical office insurance typically does not include malpractice coverage. Protection against claims arising from medical advice or treatment must be obtained separately through medical malpractice insurance.
Protect your practice today
A medical office insurance policy helps keep your business and patients safe, while giving you confidence that unexpected risks won’t disrupt your care.
Contact us to learn more about medical office insurance and find the coverage that fits your practice.
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