Medical, dental and therapy practices usually need professional liability for clinicians, a business owners policy or package with property and general liability, cyber for patient data, workers’ compensation and employment practices liability. Leases and hospital or payer agreements set many limits. SF Coverage checks your lease and agreements for free, reviews cyber and liability gaps and explains each renewal change line by line within three business days.
Who sets your insurance requirements
- Medical office landlords
- General liability naming the landlord, property for improvements and equipment and a waiver of subrogation.
- Hospitals and credentialing bodies
- Professional liability limits for each clinician and evidence at credentialing.
- Health plans and payers
- Professional liability and sometimes general liability in network agreements.
- Equipment lenders
- Property coverage for financed imaging and dental equipment with the lender named.
Coverage medical, dental and therapy practices usually carry
Exposures to get right
Patient data
Practice management and imaging systems hold sensitive records that attract ransomware.
Equipment and closures
Water damage or a fire can stop a practice that depends on specialized equipment.
Staff claims
Small teams with high turnover face employment practices exposure.
In California
- The California Confidentiality of Medical Information Act protects patient medical information and applies alongside federal HIPAA rules.
- California requires workers’ compensation for every employer, including small practices.
How SF Coverage works for medical, dental and therapy practices
Have these ready
- Your lease insurance section
- Clinicians, specialties and current professional liability limits
- Current declarations pages and renewal dates
- Equipment list with values
- Security controls such as MFA and backups
- Loss runs for the last five years
Insurance for medical, dental and therapy practices, answered
Does a dental office need cyber insurance?
Most practices hold patient records, insurance details and payment data that make them a ransomware target. Cyber coverage pays for incident response, notification and business interruption that a business owners policy usually excludes. SF Coverage reviews your current cyber limits and exclusions as part of the free check.
Is professional liability part of a business owners policy?
No. A business owners policy covers property and general liability. Medical, dental and therapy professional liability is a separate policy, often from a specialist market, and is usually written per clinician or for the practice entity. SF Coverage checks that both policies are in place and that their limits match your lease and credentialing requirements.
What does a medical office lease usually require?
Common terms include general liability naming the landlord, property coverage for improvements and equipment, business income, a waiver of subrogation and sometimes an umbrella. SF Coverage compares each clause with your policies and lists what is missing before you sign or renew the lease.
When should a practice start its renewal?
SF Coverage starts practice renewals 90 days before expiry, leaving time to confirm clinicians, revenue and equipment values and compare options. Changes are explained within two business days of terms arriving. Any practice can also send its renewal offer for a free second opinion, returned within three business days.
How does SF Coverage review a practice’s coverage?
It reads professional liability, cyber and office policies together against your lease and client agreements, so limits, patient data terms and additional insured wording line up. Individual clinician coverage sits on the same record, so nothing falls between the practice policy and personal arrangements.
General information. Coverage depends on the policy an insurer issues.