The records and the injuries both come back to the staff in between.
Commercial insurance for physician practices, dental offices and outpatient clinics. Coordinated with the malpractice coverage you already carry.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What medical and dental practice businesses actually need.
Professional liability
Covers the advice, the drawing, the diagnosis. The work itself, rather than someone getting hurt on your premises.
Without it — The largest exposure a practice has. A claim about the care itself — the diagnosis, the procedure, the record — is what malpractice answers, and nothing else on the policy touches it.
General liability
Third-party bodily injury and property damage. It is the line nearly every contract names by default.
Without it — Slips and premises injuries are excluded from malpractice policies and land on the practice.
Cyber & tech E&O
Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.
Without it — Protected health information is the highest-value data there is, and a breach brings notification costs and regulators.
Commercial property
Buildings and contents, valued at what it costs to rebuild today rather than what you paid.
Without it — Imaging, chairs and clinical equipment replace at today’s prices, not at book value.
Workers compensation
Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.
Without it — Needlesticks and lifting injuries are routine and uncapped without coverage.
Employment practices liability
Wrongful termination, discrimination and harassment claims brought by your own employees. General liability specifically excludes these.
Without it — Practices are small employers with high stakes, and employment claims are excluded elsewhere.
Business owners policy
General liability and property packaged together. Cheaper than buying them separately when you qualify, and most small businesses do.
Without it — Property and liability package more cheaply than they buy separately.
Businesses like this one, with their own page.
Every one of these is written for that specific operation — the coverages it needs, the questions underwriters ask it, and what it usually gets wrong.
- Urgent Care Centers
An urgent care center sees patients it has never met, decides in minutes whether they belong at home, in the clinic or in an emergency department, and rarely sees them again. The malpractice claims that follow are about that decision: the chest pain sent home, the fracture read as a sprain, the infection treated as a virus. Insuring a center means medical professional liability for the physicians, advanced practice providers and the entity, and then the ordinary business of a clinic: the premises, the staff, the records, the equipment. We place urgent care centers from a single site to multi-location groups, and the application asks about volume, staffing and the transfer protocol before anything else.
A medical group in New York with 13 locations and about $3 million in payroll came to us frustrated with its workers compensation. The state fund had raised the price at every renewal, and every year-end audit produced a bill nobody had budgeted for.
We negotiated a strong rate with The Hartford and set the policy up on payroll billing, so the premium is calculated from each payroll run as it happens rather than estimated a year ahead and corrected at audit. The renewal increase stopped being automatic and the audit stopped being a surprise. A state fund is a guaranteed market, not the only market, and a clean multi-location group with real payroll has options it is rarely shown.
“His repsonse times and willingness to communicate on my behalf have been unmatched…”
What the insurance company will ask about your medical and dental practice business
We read the applications the markets use for businesses in this field and pulled out what they actually ask. Have these answers ready and a quote takes a day instead of a week, because nobody has to come back to you for the missing piece.
About the business
- What type of medical facility are you (such as clinic, home health, urgent care)?
- When did you start operating?
- How many locations do you operate?
- What is your annual revenue?
- Do you have a website?
How you operate
- How many full-time and part-time employees do you have, and what is your total annual payroll?
- How many independent contractors do you use?
- Do you have a formal training and education program for your staff?
- Is there a credentialing and privileging process in place for your staff?
- Do you require a physician on-site or on-call 24 hours a day?
Safety and controls
- Do you have a formalized process for patient referrals?
- Do you have a transfer agreement with a nearby hospital?
- Are written physician orders required for all drugs and medicines you provide?
- When you provide oxygen in a patient's home, do you provide NO SMOKING signs?
- Do you conduct criminal background checks, and at what level (state or federal)?
Your history
- Have you or any predecessor ever had an insurance claim?
- Has your insurance coverage been canceled or non-renewed in the last three years?
- Has similar insurance ever been declined or canceled?
- Is there any current contention or circumstance that may result in a claim?
Money and people
- What is your annual sales from expendable medical items?
- Do you rent or lease medical supplies or equipment, and if so, what are your annual rental revenues?
- Do you sell any products under your own name or label?
- Who provides your accounting and tax services (name and address)?
- Do you require contracted staff to carry their own professional liability insurance?
Have these ready
- Your five-year claims history from your current insurer, with details about each claim
- Your current licenses and certifications
- A table of your staff by type (full-time, part-time) including hours and payroll
- Proof that contracted staff carry professional liability insurance
- Your principal's resume if you have been in business less than three years
You answer what you can; a licensed agent fills the rest with you.
What our medical and dental practice clients ask us.
Our workers comp is with the state fund and goes up every year. Is there an alternative?
Usually, once the group is large enough to interest a carrier, and the size that qualifies is smaller than most practices assume. We moved a 13-location medical group with about $3 million in payroll off the New York state fund to The Hartford at a strong rate. The second change mattered as much as the first. We put the policy on payroll billing, which prices each payroll run as it happens, so the year-end audit reconciles pennies instead of producing a bill. If your audit premium surprises you every year, the estimate is the problem, and the fix is the billing method rather than a better guess.
Is this the same as malpractice insurance?
No, and you need both. Malpractice, professional liability, covers clinical care. Everything around the care is separate: the building, the equipment, the staff, the data, the premises. We place the commercial side and coordinate it with whatever malpractice carrier you already use, rather than asking you to move it.
What does a HIPAA breach actually cost?
The clinical harm is rarely the expensive part. Notification, credit monitoring, forensic investigation and regulatory response are, and they scale with the number of records rather than the severity. Cyber liability is the line that pays for the response, and for most practices it is the coverage with the widest gap between its cost and its worst case.
What does a medical and dental practice insurance application ask for?
The applications for medical and dental practice businesses ask about 4 things above all: what type of medical facility are you (such as clinic, home health, urgent care); how many full-time and part-time employees do you have, and what is your total annual payroll; do you have a formalized process for patient referrals; have you or any predecessor ever had an insurance claim. Have your five-year claims history from your current insurer, with details about each claim and your current licenses and certifications ready and a quote takes a day instead of a week.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.