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Protect Your Business With Insurance for Medical Practices

From employee injuries to equipment damage, medical practices have to be prepared for the potential financial impact from a wide range of risks.

At biBERK, we provide tailored insurance for medical practices at savings of up to 20%. Whether you need workers' compensation, general liability, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBERK, you can purchase a policy, manage it, and report claims online for ultimate convenience.

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Who Needs Business Insurance for Medical Practices?

We don’t offer medical malpractice insurance, but we do cover much of your business. For accidents, you need workers’ comp to cover your employees and general liability for patients and others. A business owners policy (BOP) covers expensive equipment, and data breach-related liability can be covered by a data compromise add-on to your business owners policy. A commercial auto policy covers vehicles used for visiting patients.

Any Business That Provides Health Care-Related Services Needs Insurance, Including:

    • Acupuncture offices
    • Chiropractor offices
    • Dental offices
    • Dermatology practices
    • Dialysis centers
    • Ear, nose, and throat practices
    • Health care facility owners
    • Home health care companies
    • Massage centers
    • Medical facilities
    • Medical practices
    • Physical therapy offices
    • Occupational therapy offices
    • Physician practices
    • Rehabilitation centers
    • Surgical centers

What are the Different Types of Insurance for Medical Practices?

At biBERK, we offer six different types of insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.

Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.

chevron_rightWorkers' Compensation
Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

chevron_rightBusiness Owners Policy
Commercial Auto Insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

chevron_rightCommercial Auto
General Liability Insurance

Also known as commercial liability insurance, a general liability policy is important. While it doesn’t cover medical malpractice, it does cover damages and legal costs associated with injury claims by customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

chevron_rightGeneral Liability
Umbrella Insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Cyber Insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

chevron_rightCyber Insurance

What is Massage Liability Insurance?

If you’re a masseuse, you may hear the coverages above grouped together as massage liability insurance. The policies you buy can protect you from a wide range of risks, both at your office if you maintain one and at a client’s home or office. 

We recommend that massage therapists obtain both general liability insurance and professional liability insurance. These policies cover different, but equally important, aspects of a massage business. As noted above, general liability insurance covers overall business liability, like if a client slips and falls at your office and suffers an injury. Professional liability insurance, which is also called errors & omissions insurance, can protect you if you make a mistake in the services you provide.

The Importance of Home Health Care Business Insurance

Care providers who visit patients where they live should consider home health care business insurance. There are many risks associated with traveling to a patient’s home and treating them there. Without home health care business insurance, if a patient sues you, you may be required to pay the cost out of your own pocket.

Why biBERK for Medical Practice Insurance?

We’re the experts when it comes to small business.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you - up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Get a Quote Today

See why biBERK is easier and more convenient when you obtain your free quote online.