Health Care Industry and Medical Office Insurance

Help protect your medical office, laboratory, or care center with specialized business insurance designed for the health care industry.

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Coverage at Westfield

What is Medical Business Insurance?

Medical business insurance is a combination of policies designed to help protect your medical center, office, or lab against various risks and exposures. Just as you strive to deliver the best possible care for your patients, Westfield is committed to finding the right insurance for your medical practice. Whether you are a family physician or manage an urgent care center, we tailor our medical business insurance coverages to fit your unique needs.

Woman checking in with a receptionist for a doctor's appointment.

How it Works

What Does Medical Business Insurance Cover?

Westfield offers the essential protections that you expect, along with extended coverages specifically crafted for the health care industry. Our agents can customize a mix of policies and endorsements to address everything from emergency vacating expenses to employee theft.

Popular Coverages

What Types of Insurance Do I Need for My Medical Office?

When it comes to business insurance for medical practices, there is a range of coverages that you should consider. While the exact insurance you need depends on your specific operations, here are some of the coverages* that the health care industry commonly purchases:

General Liability

Help protect your business from the financial impact of lawsuits and claims related to patient or visitor injuries, property damage, and advertising injuries.

Commercial Property

Safeguard your office, clinic, or care facility — whether leased or owned — as well as on-site equipment, medical devices, and other assets.

Business Interruption

Ensure your practice can manage ongoing expenses and maintain cash flow if operations are disrupted due to a covered event.

Commercial Auto

Safeguard the vehicles your employees rely on for house calls, specimen transports, and other business purposes, while they’re on the road.

Equipment Breakdown

Shield your practice from costly repairs and downtime when essential medical equipment fails due to a mechanical or electrical issue.

Workers’ Compensation

Help cover the medical care, rehabilitation costs, and lost wages for staff members who are injured while working in your medical facility.

Crime Insurance

Safeguard your practice against theft money and other securities, whether on- or off-site, under certain circumstances.

Commercial Cyber

Help your practice respond to and recover from cyber-attacks, including breaches of patient information and damage to electronic health records.

Commercial Umbrella

Gain additional protection that extends beyond the limits of your standard business policy for larger liability risks and exposures.

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SureStep® BOP

Medical Office Insurance for Small Businesses

Many small to midsize medical offices opt for a business owners policy (BOP), which combines essential coverages into one convenient, affordable package. Westfield’s SureStep BOP includes property, business interruption, and general liability insurance, with the option to add industry-specific endorsements and coverages.

EXPLORE OUR BOP

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Sectors We Serve

Who Needs Health Care Business Insurance?

Whether you run a busy urgent care center or a small medical diagnostic laboratory, insurance is crucial to your business’s financial stability. Westfield supports a range of medical offices and outpatient care centers, including:

Dentists
Dermatologists
Dialysis clinics
Family physicians
MRI centers
Occupational therapy clinics
Ophthalmologists
Physical therapy practices
Podiatrists
Radiology centers
Speech therapy offices
Urgent care clinics

Physical therapist helping an older patient stretch.

Pricing Factors

How Much Does Business Insurance for Medical Practices Cost?

It depends. The cost of business insurance for the health care industry varies based on several factors, including:

Claims history
Value of medical equipment
Location
Business size

The best way to get an accurate estimate of what your insurance premium will cost is to get a quote from one of our agents.

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Loss Prevention

Risk Control Services for the Health Care Industry

With business insurance from Westfield, you gain access to risk control resources and services, including a team of consultants with health care expertise. We’re here to support you in creating the right safety solutions for your medical clinic or office.

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Why Westfield

What Should You Consider When Purchasing Insurance?

When it comes to protecting your business, look for coverage that not only matches your unique needs, but is also backed by a carrier with proven reliability and specialized industry knowledge.

Customizable Coverage

Westfield agents tailor your policy to match the specific needs of your business and budget.

Financial Strength

Westfield has been “A” Rated (Excellent) by AM Best for financial strength since 1934.

Industry Experience

Our team of underwriters, risk control consultants, and claims specialists have industry-specific expertise.

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Medical Office Insurance Quotes

Find an Agent Near You

We know you work in a complex and constantly evolving industry. That’s why we offer customized coverages designed for medical offices, centers, and labs. Contact an agent for a personalized quote today.

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*Please review your actual policy language to see applicable coverages, limits, and exclusions.