Commercial industry
Health Practitioner Insurance
Health practitioners who are not a full medical or dental clinic still have a professional-liability license problem and a premises problem. Counseling files, chiropractic adjustment claims, and a waiting-room slip are different lines. We place the office package and we place or coordinate the professional policy the license actually requires.
This page is for counseling practices, chiropractic offices, and similar licensed practitioners. Hospital and surgery-center work is not what we are selling here. If you are a full medical or dental clinic, use that page — the contents and med-waste story is heavier.
Risks we actually schedule
- Professional claims arising from treatment, advice, or a missed referral.
- Privacy and record-system incidents that a small cyber sublimit will not fund.
- Waiting-room and parking-lot guest injuries.
- Tenant-improvement water losses in a built-out treatment suite.
Frequently asked questions
Do you place professional liability for every license type?
We place or coordinate office-level professional coverage for the classes we have a market for. Some licenses need a specialty market. Tell us the license and the procedures before we promise a bind.
Is this the same as a medical office policy?
Related. Medical and dental clinics often have diagnostic equipment, med-waste, and a different professional tower. Practitioners in a suite can be lighter — we will not underinsure a clinic by calling it a suite.
Do we need cyber if we use an EHR vendor?
Yes. The vendor’s contract does not move your notification duty. See also our medical-dental page if you hold imaging or a large record set.
Related coverage, industries, and locations
Professional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Coverage detailsBusiness Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Coverage detailsCyber
Ransomware, data-breach response, forensic IT, notification, and business income after a network event.
Coverage detailsManagement Liability
Directors and officers, employment-practices, fiduciary, and employee-benefits liability on one conversation.
Coverage detailsMedical and Dental Office
Clinic property, professional coordination, cyber, and med-waste — offices, not hospitals.
Industry pageVeterinarian
Clinic property, animal bailee, professional, and the equipment that is not a dental chair.
Industry pageGym and Fitness Studio
Member premises, training staff, equipment, and the waiver-and-assumption story of a commercial gym.
Industry pageOregon
Licensed commercial insurance broker serving Oregon.
State page