Medical office insurance: BOP, professional, and cyber.
Coverage for primary care, dental, chiropractic, vet, and other small-group practices. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
- 01
Save up to 60% on broker commissions. We shop the carriers writing professional + BOP packages for your specialty.
- 02
HIPAA cyber coverage actually sized to ePHI volume + EHR vendor stack — not a stock $1M placeholder.
- 03
COIs and endorsements through the portal in minutes — payroll vendor, lab partner, building landlord, all served quickly.
Carriers we shop in Medical Offices
Coverage
What we quote in Medical Offices
Professional Liability
Specialty-specific malpractice coverage. Tail and prior-acts handling reviewed.
Cyber + HIPAA
ePHI breach response, regulatory defense, ransomware, social engineering.
Business Owners Policy
Property + GL bundled for the office. Equipment breakdown for diagnostic gear.
Workers Compensation
Clinical + admin class-code split. State-specific physician-injury rules.
Employment Practices Liability
Wrongful termination, harassment, discrimination claims from staff.
Directors & Officers
For PCs/PLLCs and group practices with management committees.
Frequently Asked
Medical Offices insurance questions, answered.
What does medical office insurance typically cost?
Premium depends on specialty, provider count, patient volume, ePHI volume, EHR vendor, state, prior claims, and whether the practice owns or rents. A solo internal-medicine practice prices very differently than a multi-provider surgical group. Final cost is subject to underwriting and the carriers writing your specialty.
How does HIPAA cyber differ from standard cyber?
Standard cyber covers breach response, ransomware, and BI from network outage. HIPAA cyber adds OCR regulatory defense, civil monetary penalty coverage where insurable, ePHI-specific notification under HHS rules, and often a higher per-record breach-response sublimit. The right limit is sized to ePHI record count and your EHR vendor's stack — not a stock $1M placeholder.
What's the right tail coverage when leaving a practice?
Most professional liability is written on a claims-made basis, so when you stop the policy, you stop coverage for any claim filed after termination — even for prior acts. Tail coverage (an extended reporting period) keeps that prior-acts coverage in force. Length runs from 1 year to unlimited; retiring providers usually need full tail, providers moving to a new employer-paid policy may not. Cost is subject to carrier and the policy retroactive date.
What policies does a medical office need?
A typical medical-office program includes Professional Liability with proper retro and tail handling, Cyber with HIPAA wording, a Business Owners Policy for property and GL, Workers Compensation, EPLI, and D&O for PCs/PLLCs and group practices. Coverage is subject to underwriting.
How fast can I get a Certificate of Insurance for a payer, lab, or landlord?
Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work
Same conversation across every channel.
Other industries we serve
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