Medical Business Insurance

Medical Business Insurance

Insurance Made for Medical Offices

We know what it’s like to care about people – and care for them. We’re dedicated to making a difference in our customers’ lives, too. See how we can help protect your medical practice and your patients.
 
Medical Business Insurance
We insure more than 105,000 outpatient healthcare small businesses throughout the country.

Made-to-Order Medical Business Insurance

We believe in offering the kind of coverage that has your back. That means getting you the protection you need, without all the extras you don’t. Our team will work with you to create a custom policy for your medical business insurance that will cover the specific risks you may face. That’s what we’ve done for the 100,000+ other medical offices that trust us to protect them.
 
Medical office liability insurance

Who Needs Medical Business Insurance?

 
  • Psychologists
  • Dentists
  • Counselors
  • Medical Care Providers
  • Chiropractors 
  • Optometrists
  • Doctors

Medical Business Insurance that Protects You and Your Patients

Working in healthcare comes with risks that a lot of other professions don’t have to worry about. Every day, you have to deal with patients and handle sensitive information, which can cause potential issues. Having the right insurance policy can make sure you’re protected if you do. Because we specialize in small businesses, we know the important coverages you need, and we’ve put them together in our Business Owner’s Policy:
 
  • General liability insurance, which can protect your medical practice from lawsuits for bodily injury or property damage.
  • Commercial property insurance, which covers the place where you do business and the tools you use, like computers, therapy equipment and medical instruments.
  • Business income insurance, which helps replace lost income if you can’t run your business because of covered property damage, like a fire.
psychologist office liability insurance

Get Great Benefits With Our Small Business Insurance

 
  • Premium payment options
  • Expert resources
  • Customizable coverage
  • Dedicated customer service
  • Payroll billing feature
  • 24/7 instant access to obtain a certificate of insurance
liability insurance for counselors

Medical Business Insurance Made for You

Our specialists vow to have your back. Our agents will help ensure that you’ll be protected when the unexpected happens. Watch this customer video testimonial about why you need Medical Business Insurance.

Taking Care of Your Team

Whether you’re meeting with a patient or your receptionist is organizing files, accidents can happen. Protect your business and your employees with medical business insurance.
According to OSHA, there are over 600,000 needlestick injuries each year in the United States.1
optometrist office insurance

Injuries

“One of my hygienists who’s been with me since I started my practice started to get a pain in her neck. Apparently it’s a common injury for hygienists from the way they constantly move their head when treating patients. She now sees a chiropractor regularly.”
 
Workers’ compensation insurance is required by most states to help small business owners provide important benefits to employees for work-related injuries or illnesses.
 
optometrist business insurance quotes

Needlestick Injury

“We’re very careful when taking patient’s blood. But accidents do happen. In fact, just last week one of the phlebotomists pricked herself with a needle when trying to discard it. Of course she had to get blood tests done to make sure she didn’t have any bloodborne pathogens.”
 
Workers' comp can help cover accidental needlestick injuries by covering the medical expenses to help your injured worker heal, along with paying for any necessary treatments.

Covering Your Operations

No matter how hard you try to avoid them, mistakes happen. And in the medical industry, these accidents can result in costly lawsuits that could shut down your business. Having the right coverage will make sure your medical practice is protected.
The most common claim in 2018 for small businesses like yours was slip and fall accidents.
	chiropractor business insurance

Water Contamination

“Our state health department issued a city-wide ‘do not drink’ advisory on our local water. Thankfully, we were able to stay open by purchasing bottled water. The ban lasted almost 2 weeks, and keeping that much bottled water on hand added up quickly.”
 
Drinkable water coverage can provide protection from lost income if you have to shut down, or can help cover the costs of purchasing bottled water in order to stay open.
business insurance for medical clinics

Lost Records

“We were in the middle of electronically backing up all of our paper files when we had a fire. Unfortunately, everything was damaged and now my staff has to spend lots of extra time to research and recreate everything that was lost.”
 
Our valuable papers and records coverage can help if a client’s important files or medical records end up missing or damaged because of a covered loss, like a fire.

Protecting Your Property

Accidents and disasters happen every day. Be sure you’re ready for any emergency and have the support you need if your business suffers from a loss or has to shut down unexpectedly. 
Across the US, over 5,500 fires occur each year in health care facilities.2
doctor's office insurance

Lost Medicine

“I came in on Monday greeted by an awful smell. Apparently a storm knocked out our power over the weekend and my refrigerator never turned back on. All of our insulin had to be thrown out.”
 
Spoilage coverage can help pay to replace perishable medicines that are lost as a result of a power outage, equipment breakdown or fridge contamination issue.
medical office insurance

Property Damage

“Every time I grabbed my lunch, I was reminded that our break room refrigerator needed to be replaced, but I kept forgetting to actually buy one. And then, one night I got a call that my building was on fire. The compressor overheated.”
 
A business owner’s policy can help when disaster strikes. If your business can’t operate because of a fire, natural disaster or even theft, this can help get you back up and running.
 
business insurance for chiropractic offices

Medical Business Insurance That Has Your Back

Get the protection you need to help keep your small business running successfully.
 
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For Larger Firms
Larger medical facilities typically require specialized insurance coverage.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.