Doctor’s Office

This insurance covers legal costs and damages if a patient sues for injury or harm that they believe was caused by negligence, errors, or omissions during medical treatment.

This insurance covers claims of bodily injury, property damage, and personal injury (such as slander or libel) that could happen on the premises of the doctor's office.

This insurance covers the physical location of the doctor's office and its contents, such as medical equipment, office furniture, computers, and patient records, from damage caused by events like fire, theft, or natural disasters.

This insurance covers employees' medical expenses and lost wages if they're injured or become ill while working. It also provides benefits to the dependents of workers who die due to a work-related issue.

This insurance covers loss of income that a doctor's office may suffer after a disaster or significant disruption of operations.

Given the sensitive nature of patient data and the prevalence of digital records, this insurance covers losses resulting from data breaches or other cyber incidents.

This insurance covers claims from employees that their legal rights have been violated, for example, cases of wrongful termination, discrimination, sexual harassment, or other employment-related issues.

If the office owns vehicles used for business purposes (like home visits or transporting medical supplies), this insurance protects against damages caused by accidents, theft, or vandalism.

If the medical practice is a corporation, D&O insurance can protect the directors and officers from personal losses if they are sued because of serving the company.

This type of insurance provides an extra layer of liability protection by covering costs that go beyond existing liability insurance policies.

This is a critical coverage for any medical practice. It protects against lawsuits from patients who claim they were harmed due to negligence, errors, or omissions in the course of their treatment.

Medical practices handle a large amount of sensitive patient data. A data breach could be costly, not only financially but also in terms of the practice's reputation. Cyber liability insurance can help cover the costs associated with a data breach, such as notification costs, credit monitoring services, fines and penalties, and defense costs.

Medical practices often rely heavily on specialized equipment. A specific policy to cover this equipment could be useful to protect against the cost of repair or replacement.

This coverage can protect against claims of damage to or loss of patients' property while they are at the doctor's office.

This can cover the costs associated with regulatory or legal investigations and penalties.

If a practice employs other doctors, this coverage can protect the business from actions taken by employed physicians.

This coverage is for temporary doctors who are filling in for the regular practitioners. The policy covers malpractice claims against these temporary doctors.

When a policy is canceled or not renewed, claims made after that point are typically not covered. However, medical incidents may be reported long after they occur, hence the need for tail coverage, which extends the period in which a claim can be made.