Medical Office Insurance
Comprehensive medical office coverage that protects your property and safeguards against patient-related claims, giving you the peace of mind to focus on delivering exceptional healthcare while knowing your practice is secure.
We understand the unique challenges medical offices face, delivering protection shaped by expertise.
With decades of specialized experience protecting medical offices and healthcare providers, our expert advisors bring deep understanding of clinical practice risks to every client relationship. We work closely with you to develop insurance solutions that safeguard against malpractice claims, patient data breaches, and operational liabilities while anticipating healthcare regulatory changes. Our commitment to ongoing support ensures your medical practice maintains comprehensive protection as your patient base and services grow.
Our licensed healthcare insurance specialists serve medical practices of all sizes, from single-physician offices to multi-specialty clinics and surgical centers. Through continuous monitoring of HIPAA regulations, medical compliance standards, and emerging healthcare risks, we stay ahead of evolving industry challenges. This proactive approach ensures your policy provides comprehensive protection against malpractice claims, data breaches, and medical equipment failures.
We go beyond standard medical office coverage to provide comprehensive protection tailored to your healthcare practice. Our policies cover everything from medical equipment and malpractice liability to cyber security and patient data protection, ensuring every aspect of your medical practice remains fully safeguarded.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Medical malpractice protectioncovers diagnostic errors, treatment complications, and medication mistakes during routine patient care and specialized procedures.
• Patient data breach coverageincludes unauthorized access, lost medical records, and compromised health information across physical and digital storage systems.
• Consent documentation protectionsafeguards against informed consent disputes, treatment authorization issues, and medical procedure documentation oversights.
• Administrative error coverageencompasses billing mistakes, insurance coding errors, and appointment scheduling mishaps that result in patient care delays.
• Medical equipment protectioncovers damage to diagnostic machines, surgical instruments, and laboratory equipment from accidents or technical malfunctions.
• Building structure coverageincludes protection against fire, water damage, and natural disasters affecting medical office facilities and storage areas.
• Inventory loss protectionsafeguards medical supplies, pharmaceuticals, and disposable materials from theft, spoilage, or environmental damage.
• Office contents coverageencompasses furniture, computer systems, and communication equipment used in daily medical practice operations.
• Revenue loss protectioncovers income disruption from facility damage, equipment breakdown, or mandatory evacuation during covered emergency events.
• Temporary relocation assistanceprovides funding for alternative facility rental, equipment transportation, and temporary storage during office repairs.
• Staff payroll coverageensures continuous payment for employees, maintaining benefits, and covering temporary staff during business disruption.
• Patient care continuitysupports referral costs, patient transfer expenses, and communication expenses during practice interruption periods.
• Premises liability protectioncovers patient injuries, visitor accidents, and facility-related incidents occurring within medical office premises.
• Third-party damage coverageincludes visitor property damage, vehicle incidents in parking areas, and equipment-related accidents affecting non-patients.
• Personal injury protectioncovers reputation damage, privacy violations, and discrimination claims from patients or visitors.
• Advertising liability coverageprotects against marketing misrepresentations, copyright infringement, and promotional material disputes in medical advertising.
On average, Medical Office insurance costs around $6,500 annually; however, individual premiums vary based on several factors:
Higher patient throughput increases liability exposure, requiring greater coverage limits compared to small practices seeing fewer patients per day.
Surgical specialists typically face higher premiums than general practitioners due to increased complexity and potential severity of adverse events.
Offices with expensive diagnostic equipment like MRI machines require higher property coverage limits, directly impacting overall insurance costs.
Practices with larger medical teams face increased liability exposure, resulting in higher premiums compared to solo practitioner operations.
Medical offices with previous malpractice claims or property incidents typically experience premium increases reflecting their historical risk patterns.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Medical office insurance should include both general liability and specialized equipment coverage for diagnostic and treatment devices. Coverage needs vary based on equipment value and usage patterns. Regular maintenance records and safety protocols may affect premium rates and claim eligibility. It's recommended to maintain detailed inventory lists, including purchase dates and values, and update coverage as equipment changes. Consider additional riders for high-value items or those requiring special handling.
Cyber liability coverage within medical office insurance specifically addresses patient data protection and HIPAA compliance requirements. The policy should cover breach notification costs, regulatory fines, and legal expenses related to data incidents. Coverage may vary based on security measures implemented and data volume managed. Regular staff training, updated security protocols, and periodic risk assessments are typically required. Consider supplemental coverage if handling large patient databases or offering telehealth services.
Standard medical office policies typically cover temporary practitioners, provided they're properly credentialed and documented with the insurer beforehand. Coverage extends to their professional services while working within your practice's scope. However, specific limitations may apply regarding specialized procedures or duration of coverage. Maintain current records of credentials, work agreements, and practice parameters. Notify your insurer when engaging temporary staff and verify any additional premium adjustments needed.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
