Medical Office Insurance

Core coverages in this program

• •Business Owners Policy (BOP)
• •Medical Professional Liability (Malpractice)
• •Cyber Liability with HIPAA Regulatory
• •Workers' Compensation
• •Employment Practices Liability (EPLI)
• •Commercial Umbrella

What medical office insurance covers

A physician practice needs three separate policies that a general BOP alone cannot deliver: medical professional liability (malpractice on the physicians and mid-levels), HIPAA-first cyber liability with regulatory defense, and workers' comp with a class code that reflects clinical vs administrative staff. KTL underwrites all three in one placement so limits and definitions align.

Practice types this fits

Medical office insurance is the right program for:

• •Primary care & family medicine practices
• •Dental & orthodontic offices
• •Specialty clinics (dermatology, ophthalmology, cardiology)
• •Outpatient surgery centers & med spas
• •Physical therapy, chiropractic & occupational therapy
• •Behavioral health & counseling practices

How much does medical office insurance cost?

A 2-physician primary care office typically pays $8,000–$16,000 per year for a full program (BOP, malpractice for both physicians, cyber, work comp, EPLI). Solo dental offices land at $4,500–$9,000. Specialty practices with higher malpractice risk (OB, surgery, dermatology with aesthetic procedures) can run $25,000+ mostly driven by the malpractice line.

The HIPAA cyber gap

A standard business cyber policy will pay for a breach, but many exclude the HHS/OCR regulatory investigation that follows any HIPAA breach over 500 records. Medical-office cyber policies include a specific regulatory defense sublimit — usually $250K–$1M — that pays legal defense and any resulting penalty. This is the single most-cited claim gap in outpatient practices.