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Protect Yourself and Your Business With Medical Malpractice Insurance

Allied health care companies and professionals face a wide range of business risks—from lawsuits to employee injuries to equipment damage. Fortunately, medical malpractice insurance (also called professional liability insurance) and other types of coverage can provide financial protection.


At biBERK, we offer business insurance policies at savings of up to 20%. In addition to medical malpractice insurance (which we offer to many professionals, but not to physicians or surgeons), we provide other policies like workers' compensation, general liability,  business owners policies or BOPs (sometimes called property & liability insurance), commercial auto, umbrella, and cyber insurance. Just complete a simple form online to get an instant quote, or talk with one of our licensed insurance experts if you have questions. With biBERK, you can also purchase a policy, manage it, and report claims online for ultimate convenience.

Medical Malpractice Insurance and Other Coverages

Medical malpractice insurance is crucial for allied health care providers. It can protect you if you make mistakes in the services you provide and a patient or client sues you.

For accidents, you need workers’ comp insurance to cover your employees and general liability to address lawsuits from patients and others. A BOP can cover the cost of certain types of liability plus damage to your equipment or facility, while data breach-related liability can be covered by cyber insurance. If you travel in business-owned or leased vehicles, you should have a commercial auto insurance policy to address liability issues and vehicle damage.

Many Health Care Providers Need Medical Malpractice Insurance and Other Policies, Including:

  • Acupuncture therapists
  • Alcoholism counseling
  • Ambulance services
  • Animal hospitals and shelters
  • Applied behavior analysis therapists
  • Art therapists
  • Assisted living facilities
  • Audiologists
  • Behavioral health therapists
  • Biomedical research labs
  • Birthing centers
  • Blood banks
  • Certified registered nurse anesthetists
  • Chiropractors
  • Clinical research coordinators
  • CPR training providers
  • Dance therapists
  • Dental hygienists and technicians
  • Dietitians and nutritionists
  • Doulas
  • Emergency medical technicians (EMTs)
  • Family therapists
  • Health care aides
  • Health care technicians
  • Home health aides
  • Hospice care facilities and providers
  • Imaging diagnostic services
  • Laser hair removal providers
  • Licensed clinical social workers
  • Licensed practical nurses (LPNs)
  • Long-term care facilities
  • Marriage counseling services
  • Medical labs
  • Medical spas
  • Mental health counselors
  • Midwife services and midwives
  • Nurse practitioners
  • Nursing homes
  • Pharmaceutical sales
  • Pharmacists
  • Physical therapists
  • Psychotherapists
  • Registered nurses
  • Retirement centers
  • Senior home care providers
  • Speech therapists
  • Veterinarians
  • X-ray services laboratories

Medical Malpractice to Cyber Insurance: 7 Types of Coverage

At biBERK, we offer seven different types of allied health care insurance. Depending on your location and other factors, certain types might be better for you than others.

Medical Malpractice Insurance

This type of policy provides liability coverage for an allied health professional if they make an error or omission in providing care to a patient that results in injury and the patient subsequently making a claim against that person. The policy can pay the health professional’s legal defense costs, as well as any financial damages awarded to the injured patient.

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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.

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General Liability Insurance

This policy covers damages and legal costs associated with injury claims by patients and other people you don't employ (like from slip-and-fall accidents), 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.

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Cyber Insurance

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

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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 or space you lease (in the event of storm damage, for example), as well as any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income and also cover costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can 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 you use company-owned or leased vehicles, this policy protects your business. This type of insurance can cover your legal fees and the medical costs of others if your employee is at fault in an accident, even if the vehicle is used for personal activities outside of its primary business use. For example, it can help protect you if an employee in a company car runs a red light and hits another driver. It can also cover damage to your vehicles.

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Umbrella Insurance

Every insurance policy 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 biBERK liability insurance policy, like a medical malpractice policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit

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Why biBERK for Medical Malpractice Insurance and Other Coverage?

We’re the experts when it comes to allied health care insurance coverage.

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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.

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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.

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Experienced

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.

Frequently Asked Questions (FAQs) About Small Business Insurance

  • Do you offer medical malpractice insurance to physicians and surgeons?

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    No, we do not provide medical malpractice insurance for physicians and surgeons. However, we offer medical malpractice policies to many types of health care professions. And we provide other important insurance coverage (general liability, etc.) to health care businesses and professionals of all kinds.

  • Do I need medical malpractice insurance?

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    You may be required by your employer, state, or other entities to have medical malpractice insurance. You should check with the appropriate authorities regarding your requirements. Our licensed insurance experts may also be able to provide guidance.

  • Am I required to have small business insurance?

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    Business insurance requirements vary by profession and location. For instance, in most states, you are required by law to have workers’ comp insurance if you have employees. If your business owns or leases vehicles, you typically must carry commercial auto liability insurance at set limits. These are just a few examples.

  • How long does it take to get small business insurance?

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    Getting a business insurance quote for a medical malpractice insurance policy, for example, and then purchasing coverage can take as little as five minutes. Your coverage is active very quickly—within a day or two in most cases—and you can obtain a Certificate of Insurance (COI) immediately.

  • Does biBERK offer small business insurance in my state?

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    We offer business insurance in all 50 states. Check out our coverage maps for details on policy availability by state.

Get a Quote Today

See why biBERK is your best option for medical malpractice insurance and other allied health care insurance when you obtain your free quote online.