Professional services
Review professional liability around specialties, procedures, credentials, employed clinicians, and independent contractors.
Coverage for physicians and clinical practices
Physician and Medical Practice Insurance
Medical practices balance patient care with staffing, office operations, technology, equipment, contracts, and regulatory responsibilities. GLG helps physicians and practice administrators evaluate commercial insurance around the services they provide, the professionals who deliver them, and the business that supports the practice.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Practice operations
Consider premises, equipment, tenant improvements, business income, employment, and general liability exposures.
Patient information
Evaluate cyber liability and privacy-event response for electronic records, connected systems, billing vendors, and other service providers.
Medical practices that may need specialized coverage
A solo physician, multi-specialty group, primary care office, and procedure-based practice can present different underwriting considerations. The insurance submission should accurately describe each location, specialty, procedure, and provider relationship.
- Primary care and family medicine practices
- Specialty physician groups and multi-location practices
- Pediatric, women’s health, and internal medicine offices
- Diagnostic, treatment, and procedure-based practices
- Practices employing nurse practitioners, physician assistants, or other clinicians
- Management entities and related business operations
Coverage considerations for physicians and practices
A practice may need several coordinated policies rather than one package. Coverage selection should reflect the services performed, ownership structure, contracts, property, workforce, and requested limits.
- Medical professional liability or malpractice coverage
- Commercial general liability and umbrella or excess liability
- Business property, medical equipment, equipment breakdown, and business income
- Workers’ compensation and employment practices liability
- Cyber liability, privacy-event response, and network interruption
- Commercial crime, employee dishonesty, and billing-related exposures when applicable
Information underwriters may request
Carriers may review provider rosters, specialties, credentials, procedures, patient volume, locations, telemedicine activities, contractor arrangements, risk controls, prior coverage, and loss history. Complete information helps avoid a mismatch between the application and the operation presented for coverage.
Common questions
Physician and Medical Practice Insurance FAQ
What insurance does a medical practice need?
Needs vary, but practices commonly evaluate professional liability, general liability, property, business income, workers’ compensation, employment practices liability, cyber, and umbrella or excess liability.
Are employed and contracted clinicians automatically covered?
Not necessarily. Provider status, named insured requirements, professional services, and contractor arrangements should be disclosed and confirmed in the policy documents.
Does medical practice insurance cover patient data breaches?
Cyber coverage may address certain eligible privacy and security events, but terms, response requirements, exclusions, and vendor provisions vary by policy.
Talk through your options