Physician Office Insurance
Coverage framed around physician offices — clinical judgment and everyday premises risk.
What this coverage is intended to address
- ✓Allegations that a diagnosis, treatment, or referral fell short of the standard of care, addressed through professional liability insurance, also called Errors & Omissions (E&O) insurance
- ✓General liability for premises exposures, such as a patient who slips in the exam-room hallway
- ✓Defense costs that may arise in the event of a covered claim tied to clinical decisions
- ✓Third-party property damage that may occur in the course of running the office
Coverage products commonly considered
Most physician office operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Hypothetically, a patient alleges that a delayed diagnosis led to a worse outcome, and professional liability / E&O coverage is intended to respond in the event of a covered claim.
- Hypothetically, a visitor trips on a loose floor mat at the office entrance; general liability coverage may help respond to a premises claim of this nature.
Frequently asked questions
What is the primary exposure for a physician office?
The core risk is an allegation that clinical judgment caused harm, which professional liability insurance, also called Errors & Omissions (E&O) insurance, is intended to respond to. Premises risks like slip-and-falls are addressed separately by general liability. Coverage varies by carrier and state.
Does office foot traffic factor into coverage?
Yes. Patients and visitors moving through the office create premises exposure, which general liability is generally intended to respond to in the event of a covered claim.
Get a Physician Office insurance quote
Takes about 3 minutes. We'll route you to an instant-quote carrier when one fits.
Start my quote →