Healthcare office insurance
Outpatient practices, dental and vision offices, therapy and counseling practices, chiropractic, and small clinics. Not hospitals, and not surgical centers — those underwrite on a different track entirely. The distinguishing exposure is patient records and clinical liability sitting on top of an ordinary office.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
What a practice usually carries
Kavana Insurance Inc. places the business side of a practice. Medical malpractice is a specialty market and is often written separately or through a specialist.
General liability
Patient and visitor injury in your space and third-party property damage. This is premises and operations liability — it is not clinical malpractice.
Property and equipment
Tenant improvements, chairs, imaging and diagnostic equipment, and inventory. Equipment breakdown is usually an endorsement rather than an automatic inclusion.
Workers’ compensation
Needlestick, lifting, and exposure claims for clinical and front-office staff, rated by payroll and class code.
Cyber and regulatory
Protected health information changes the math. Breach response, notification costs, and regulatory defense sit on a cyber/privacy form. HIPAA obligations do not go away because a policy exists.
Where the line sits with malpractice
Professional liability for clinical care — medical malpractice — is its own market. Some practices carry it through a specialty carrier or a group program and place the business lines with us. We will tell you plainly when a placement belongs with a specialist.
Lease requirements are the other common driver. Medical office leases routinely specify limits, additional insured status for the landlord and property manager, and waiver of subrogation. Send the lease.
A practice is an office with clinical liability and patient records on top. Both of those additions change underwriting, and one of them changes it a lot.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.