Commercial Insurance for Physicians & Medical Offices

About Physician & Medical Office Insurance

Physician offices and medical practices face professional liability (medical malpractice) as their dominant insurance exposure, along with significant cyber liability for electronic health records, HIPAA obligations, and the general liability and property risks of operating a medical office.

Business Insurance Brokers places commercial insurance for physician offices, family practice clinics, internal medicine practices, osteopathic offices, and general medical practices. Offices of doctors of medicine (SIC 8011) and osteopathy (SIC 8031) are our carrier classes. We work with specialty healthcare markets to place medical malpractice coverage alongside cyber liability for EHR and HIPAA obligations, general liability, commercial property for medical equipment, and employment practices liability. We serve physician offices across Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Key Coverages

Unique Risks & Coverage Considerations

Physician offices carry medical malpractice as their primary exposure, with premiums and availability varying significantly by specialty and claim history. Cyber liability for EHR systems and HIPAA compliance is a growing critical coverage. Employment practices liability is elevated in medical staffing environments.

As an independent broker, we shop the entire commercial market — including specialty and surplus lines carriers that write difficult-to-place risks. Our carrier markets rates many of these classes as Preferred, meaning consistent underwriting capacity and competitive pricing. We present you with the best available options for your specific operation, location, and loss history.

States We Serve

We place commercial insurance for California businesses in Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Fresno, Long Beach, Oakland, Bakersfield, Anaheim and statewide — alongside our existing markets in Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Why Choose Business Insurance Brokers?

We are 100% focused on commercial insurance — no personal auto, no homeowners policies, no distractions. That means deeper expertise, stronger carrier relationships, and better outcomes for your business. When you work with us, you get a dedicated commercial broker who understands your industry.