Who This Is For
Designed for primary care physicians, internal medicine and family practice groups, and outpatient specialty clinics. Whether you're a solo practitioner leasing a small suite or a medical group running several exam rooms and an in-house lab, this page covers the business-side insurance that supports your practice's facility, staff, and equipment.
Coverage Options for Physician
Travelers writes select physician groups for the business-insurance side of the practice. Primary care, internal medicine, and family practice are preferred classes; medical malpractice itself is placed through a specialty market.
Business Owners Policy
Bundles general liability and commercial property into a single, typically lower-cost policy that covers most day-to-day risks for the practice.
General Liability
Protects against third-party claims of bodily injury or property damage — for example, a patient or visitor hurt in your office or waiting room.
Workers Compensation
Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.
Cyber
Covers costs from a data breach, ransomware attack, or other cyber incident affecting patient records, scheduling systems, or payment data.
Umbrella
Adds an extra layer of liability protection above your GL, auto, and employer's liability limits for large or catastrophic claims.
Professional Liability
Covers claims of negligence, errors, or omissions connected to the clinical services or advice you provide to patients.
Commercial Property
Covers your office, equipment, and business personal property against fire, theft, water damage, and other covered perils.
Business Income
Replaces lost revenue and covers continuing expenses if a covered property loss forces you to temporarily close.
Real-Life Claim Scenarios for Physician
Patient Fall in the Exam Room
A patient loses their balance stepping off the exam table and fractures a hip, resulting in a liability claim against the practice.
General LiabilityBurst Pipe Damages Exam Rooms
An overnight pipe burst floods two exam rooms and damages diagnostic equipment, forcing appointment cancellations while repairs are made.
Commercial PropertyEHR System Compromised by Phishing
A staff member clicks a phishing link, allowing attackers to access the practice's electronic health record system and patient billing data.
CyberStaff Member Injured Assisting a Patient
A nurse strains a shoulder helping transfer a patient to an exam table and requires physical therapy.
Workers CompensationPower Outage Spoils Refrigerated Medication
An extended power outage spoils a refrigerator full of vaccines and injectable medications, creating a costly inventory loss.
Commercial Property
Common Insurance Requirements
What Affects Cost
These are the main factors Travelers underwriters typically review when pricing this class:
- Specialty and procedures performed
- Number of physicians and support staff
- Annual revenue per provider
- Location and number of practice sites
- Claims history
- Value of diagnostic and exam room equipment
- Volume of patient data stored electronically
- Vehicles used for home visits or between locations
Frequently Asked Questions
Related Healthcare Classes
Get a Physician / Medical Practice Insurance Quote
Tell us about your practice and Casurance can help you review Travelers coverage options for physician.
Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage or medical/legal advice.
Get Your Instant Quote
Fast. Free. No Obligation.