Patient records, patient injuries, and the staff in between.
Commercial insurance for physician practices, dental offices and outpatient clinics. Coordinated with the malpractice cover you already carry.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
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 — 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.
What medical and dental practice operators ask us.
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.