Doctors Insurance
Doctors insurance protects your medical practice from costly lawsuits, errors, and patient claims. With the right coverage, like malpractice, general liability, or property insurance, you can focus on patient care without worrying about legal or financial setbacks. It’s essential for any physician or clinic to stay compliant and secure.
Choose the right coverage from trusted insurance providers.
Why Doctors Should Have Insurance?
Being a doctor means you’re always trying to help others, but even in the best medical practice, errors can happen. You might get blamed for a mistake, oversight, or incomplete or substandard care, even if you weren’t fully at fault. If a patient or relative sues your practice, the lawsuit can be financially devastating.
Professional liability or malpractice insurance helps protect doctors and their businesses from problems that come with providing healthcare services.
What types of business insurance do doctors and physicians need?
These insurance policies cover the most common risks for doctors and physicians.
Business owner’s policy
A BOP combines general liability and property insurance, offering business owners affordable coverage. Ideal for contractors and construction companies, it protects against injuries, theft, and legal requirements, helping you recover while maintaining peace of mind.
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Professional liability / medical malpractice
Also called malpractice insurance, it covers legal costs if a healthcare provider is sued for negligence, causing injury.
Under this plan
Incorrect diagnoses
Accusations of negligence
Mistakes or oversights
Commercial auto insurance
Required in most states for business-owned vehicles, this insurance covers accident costs involving your healthcare business vehicle.
Under this plan
Weather damage
Vandalism and theft
Car accident repair costs
Cyber insurance
Protects healthcare businesses from data breaches and cyberattacks, and can be bundled with a BOP or general liability policy for cost savings.
Under this plan
Fraud monitoring services
Data breach investigations
Customer notification expenses
General liability insurance
General liability insurance protects your business from third-party injuries, lawsuits, or property damage. It’s often needed to meet state or lease requirements, giving contractors and construction companies peace of mind and support to recover from risks like theft or accidents.
Under this plan
Accidental vehicle damage
Customer injuries at a repair shop
Slander and other advertising injuries
Worker’s compensation insurance
Workers’ compensation insurance is required by most state laws for businesses with employees. It covers injuries at work, helps contractors and companies recover from accidents, and provides peace of mind beyond what health insurance may offer.
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits over employee injuries
Cost of Business Insurance for Doctors
Running a medical office means facing many liability risks every day. That’s why insurance is an important part of your healthcare business. But how much does it actually cost?
The truth is, the price of professional liability or malpractice insurance for doctors can vary. A small clinic will usually pay less than a big one, but several things affect your premium.
Here are the key factors that change the cost:
- Medical specialties, such as cardiology or dermatology, that are high-risk fields may face higher costs
- Value of medical equipment and office property
- Annual business income
- The states or locations where your practice operates require specific policies
- The types of insurance you choose (such as E&O, general liability, or malpractice)
- Extra coverage options like tail coverage, which helps after your main policy ends
- Your chosen deductibles, a higher deductible might lower your monthly payment
If you’re providing services in this industry, it’s smart to get protection in place early. What might seem like a small fee now could save you from a financially devastating situation later.
How to Get Business Insurance for Doctors?
Getting business insurance for your doctor’s office is simple if you have your company details ready. Whether you’re a physician, surgeon, or run a private medical practice, you can get covered quickly.
Here’s how to get insurance in just a few steps:
- Complete a free online application: Share basic information about your business, such as annual revenue and number of employees
- Compare insurance quotes: Review and choose the best policies for your practice
- Pay and download your certificate: Once you pay, you’ll receive your official certificate of insurance
Eagle Nation’s licensed insurance agents work with top-rated U.S. providers to find the right coverage, whether you run a solo practice or manage a team.
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
FAQ’s about Doctors Insurance
Yes, depending on your practice, you may also need general liability, property, or cyber insurance to stay fully protected.
Most doctors can complete the process and receive their certificate of insurance on the same day after submitting details.
Top healthcare professionals we insure
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- Medical staffing
- Nurses
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We insure most businesses.