Practice property
Premises, fit-out, furniture and clinical equipment.
Business Insurance
Medical office insurance for the practice.
Malpractice covers the clinician. It does not cover the building, the equipment, the staff or the patient records.
A medical practice needs two quite separate insurance conversations. Professional liability — malpractice — follows the clinician and their scope of practice, and is usually arranged through a specialist market. Everything else is the business: the premises, the diagnostic equipment, the employees, and the patient data sitting on the practice management system.
The business policy, not the malpractice policy
Property and general liability cover the clinic as a place: a patient who slips in reception, water damage to the waiting room, theft of equipment. Malpractice covers clinical decisions. Both are needed and neither substitutes for the other.
Diagnostic and imaging equipment is worth scheduling carefully. Values are high, replacement lead times can be long, and equipment breakdown cover matters because a mechanical failure is not a property peril.
Patient records are the largest quiet exposure
Protected health information is among the most valuable data a criminal can obtain, and healthcare practices are targeted accordingly. A breach brings HIPAA obligations, Texas notification requirements, forensic costs and patient claims at once.
Cyber liability written for healthcare is the answer, and it should include regulatory defence as well as breach response. This is not an optional extra for a modern practice — it is the exposure most likely to produce a large loss.
What it covers
The parts of a medical office insurance policy
General liability
Patient and visitor injury arising from the premises rather than treatment.
Cyber and HIPAA
Breach response, regulatory defence and notification for patient records.
Equipment breakdown
Mechanical and electrical failure of diagnostic and imaging equipment.
Workers compensation
For clinical and administrative staff, including needlestick exposure.
Business interruption
Practice income while you cannot see patients after a covered loss.
Working with us
What we do differently
We are an independent agency, so we place your medical office insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Keep the malpractice and business programmes separate but coordinated
- Schedule diagnostic equipment at realistic replacement values
- Carry cyber cover that includes regulatory defence, not just breach response
- Check business interruption reflects how long re-fitting a clinic would actually take
Common questions
Medical Office Insurance, answered
Is malpractice insurance the same as medical office insurance?
No. Malpractice covers clinical decisions and follows the practitioner. Medical office insurance covers the business — premises, equipment, staff, patient data and general liability. A practice needs both.
Do we need cyber cover for patient records?
Healthcare data is heavily targeted, and a breach triggers HIPAA obligations alongside Texas notification requirements. Cyber cover with regulatory defence is the practical answer, and it is the exposure most likely to produce a large loss.
Is our imaging equipment covered if it fails?
Mechanical or electrical failure is equipment breakdown, not a standard property peril. It needs to be added, and for imaging equipment the values make it worth doing.
Does general liability cover a patient injured during treatment?
No — that is a malpractice claim. General liability covers injuries arising from the premises, such as a slip in reception. The distinction is where the two policies meet.
What about staff needlestick injuries?
That falls under workers compensation. Given the exposure in a clinical setting, it is worth carrying even though Texas does not mandate it for most private employers.
Related cover
Often arranged alongside this
Cyber Liability Insurance
The cost of a breach is rarely the hacking. It is the notification, the forensics, the downtime and the lawyers afterwards.
Read moreMassage Therapist Insurance
Hands-on work carries a professional exposure that a premises policy does not touch. Licensed therapists need both.
Read moreBusiness Insurance
A shop, a contractor and a software firm face entirely different risks. We place commercial cover across multiple carriers rather than fitting you to one company's template.
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