Commercial industry
Medical and Dental Office Insurance
A medical or dental office is a professional premises with expensive diagnostic and treatment equipment, a dense record set, and a waiting room that never empties. We place the commercial package, equipment breakdown, cyber, and we coordinate the professional liability the license requires. We do not treat this as hospital or surgery-center coverage.
Chiropractic, optometry, counseling, general practice, specialty physician offices, and dental practices are the classes on this page. If you transport patients or run an attached surgery suite, say so before we waste a small-office application.
Risks we actually schedule
- Professional claims that belong on the malpractice form, not on the office GL.
- Breakdown of imaging, autoclave, or dental-delivery equipment and the income that stops with it.
- A records or imaging-system breach and the notification statute that follows.
- Med-waste and premises claims a generic office BOP never contemplated.
Frequently asked questions
Do you write medical malpractice?
We place or coordinate office-level professional coverage where we have a market. Hospital, surgery-center, and some specialty towers need a different market. The first question is procedures, not the sign on the door.
Is equipment breakdown worth it for a dental office?
A delivery unit or a CBCT that dies on a Tuesday is a week of lost production. Yes.
Does the landlord’s policy cover our build-out?
No. Tenant improvements and your equipment are your property schedule.
Related coverage, industries, and locations
Business Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Coverage detailsProfessional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Coverage detailsCyber
Ransomware, data-breach response, forensic IT, notification, and business income after a network event.
Coverage detailsEquipment Breakdown
Boilers, refrigeration, production machinery, diagnostic equipment, and the business income that follows a mechanical failure.
Coverage detailsHealth Practitioner
Counseling, chiropractic, and specialty practitioners — office package plus the professional line the license requires.
Industry pageVeterinarian
Clinic property, animal bailee, professional, and the equipment that is not a dental chair.
Industry pageProfessional Consulting
Miscellaneous professional liability, cyber, and a office package for firms whose product is advice.
Industry pageWashington
Licensed commercial insurance broker serving Washington.
State page