A medical or dental office usually needs a coordinated program of property, general liability, cyber and data, workers compensation, and often management and employment coverage, sitting alongside the professional liability or malpractice policy that covers clinical care. Malpractice is a specialized line; we focus on the business coverage around it and help make sure the two work together.
Where medical and dental office risk shows up
Beyond clinical care, the practice faces premises injury, damage to and breakdown of expensive equipment, and patient-data exposure that carries real regulatory weight. A data breach involving patient records is one of the most consequential losses a practice can face.
Employees add workers compensation and employment-practices exposure, and the practice's structure, partners, and benefit plans can create management-liability questions. These are business exposures distinct from the care your providers deliver.
Coverage that commonly applies
General liability and property cover premises injury and the building, contents, and equipment. Cyber coverage addresses breach response and patient-data incidents. Workers compensation is required once you have employees, and employment practices and management liability address staff and governance claims.
Equipment breakdown and business income are worth reviewing given how dependent a practice is on its equipment and location. Professional liability, or malpractice, covers the clinical care itself and is a specialized line we coordinate with rather than replace.
How we work with your malpractice coverage
Medical malpractice and professional liability for clinical care are specialized, and many practices place them through a dedicated program. Our role is the surrounding business insurance, and making sure there are no gaps or overlaps between the malpractice policy and the property, cyber, liability, and employment coverage around it.
If you are not sure how the pieces fit together, that coordination is exactly what a coverage review is for.
When it is worth a review
Review your program when you add providers or staff, invest in new equipment, expand or move the office, adopt new systems that touch patient data, or take on a lease or lender with insurance requirements. Each can change the business exposure your practice carries.
