Healthcare

Medical practices

Physician offices and outpatient medical practices.

Why it needs cover

The exposure

Medical malpractice is the defining, high-severity exposure; practices also need GL for premises, cyber for PHI, and property/WC for the office.

What we place

Coverages this class usually needs

Medical malpractice (professional liability)Often (state/hospital)

Negligence/misdiagnosis claimsCore clinical exposure

General liabilityOften (lease)

Patient/visitor premises injuryOffice foot traffic

CyberOften (regulatory)

PHI/HIPAA breachProtected health data

Workers' compensationRequired (with employees)

Staff injuriesClinical/office staff

Business owners policy (BOP)Often (lease)

GL + property bundleOffice/equipment

What it costs

National benchmark premiums

Rated on: Specialty, headcount, and claims history

General liability

healthcare GL averages $31/mo

Malpractice

physicians average $427/mo ($5,125/yr) at $1M/$3M limits

Workers' comp

healthcare WC averages ~$60/mo

Total annual (typical)

dominated by malpractice; small practices commonly $6,000-$12,000+/yr all-in

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Medical Malpractice / Healthcare cost).

When it goes E&S

Where this risk gets hard to place

High-risk specialties (surgery, OB, anesthesiology) and adverse claims history routinely place malpractice in E&S/specialty and risk-retention markets.

Contact

Talk to us about Medical practices.

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