Modern medical office with professional clean decor

Medical & Dental Office Insurance

Comprehensive protection for physicians, dentists, and healthcare practices. From malpractice claims to equipment breakdowns, we cover the unique risks of your medical practice.

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Coverage Types for Medical & Dental Practices

Build a comprehensive insurance package that protects every aspect of your practice.

Professional Liability / Malpractice

Protects against claims of negligence, errors, or omissions in patient care. Essential for all medical and dental practices.

General Liability

Covers bodily injury and property damage claims from patients and visitors in your office.

Commercial Property

Covers your office building, equipment, and supplies against fire, theft, storm damage, and other perils.

Workers Compensation

Covers employee injuries, including needle sticks, back injuries, and exposure to pathogens.

Cyber Liability

Protects against data breaches, ransomware attacks, and HIPAA violations. Essential for practices with electronic health records.

Business Interruption

Covers lost income and operating expenses if your practice is forced to close due to a covered event.

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Common Medical & Dental Practice Risks

Understanding these risks helps you choose the right coverage.

Medical malpractice and professional negligence claims

Patient slip and fall injuries in waiting rooms and exam rooms

Needle sticks and bloodborne pathogen exposures

Data breaches exposing patient health information (HIPAA violations)

Equipment breakdown disrupting patient care

Fire or water damage destroying medical records and equipment

Employment practice lawsuits from staff

License defense costs for medical board complaints

Why Choose Greene & Associates?

HIPAA & Cyber

Comprehensive data breach and patient privacy coverage to protect against costly HIPAA violations.

Professional Liability

Medical malpractice and errors & omissions coverage tailored to your specialty and practice size.

Practice-Specific

Coverage for medical equipment, business income, employee practices liability, and more.

Frequently Asked Questions

What insurance does a medical or dental practice need in Florida?

At minimum, you need professional liability (malpractice), general liability, and workers compensation if you have employees. Most practices also need commercial property, cyber liability, and business interruption coverage. If you own your building, consider commercial real estate insurance.

How much does medical malpractice insurance cost?

Costs vary significantly by specialty. Primary care physicians typically pay $5,000-10,000/year, while surgeons and OB/GYNs can pay $20,000-50,000+ annually. Dentists generally pay $3,000-8,000/year. We shop multiple carriers to find competitive rates.

Do I need cyber liability insurance for my practice?

Yes, absolutely. Healthcare practices are prime targets for ransomware and data breaches. HIPAA violations can result in massive fines, and breach notification costs can reach hundreds of thousands of dollars. Cyber liability is essential protection.

What happens if my equipment breaks down?

Equipment breakdown coverage pays to repair or replace expensive medical and dental equipment that breaks down unexpectedly. Without this coverage, a single equipment failure could cost tens of thousands of dollars out of pocket.