Insurance for Medical, Health & Sciences
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Covers malpractice, bad advice, negligence and mistakes
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What does medical, health & science professionals insurance cover?
Medical, health & science professionals insurance helps cover legal fees and compensation claims related to running your business. It can cover the cost of compensation, lawsuits, and other expenses related to:
- Allegations of malpractice, negligence, or professional mistakes
- Third-party injury and property damage claims
- Damage to your business property and equipment
- Business interruption caused by covered events
- Employee injuries
BizInsure understands the unique risks faced by medical, health & science professionals. Compare quotes, choose coverage, and buy online—all in minutes.
Why do medical, health & science professionals need insurance?
Medical, health & science professionals may consider insurance to help protect their business, equipment, and staff.
Caring for patients, conducting research, and providing professional health services come with risk. Allegations of malpractice, third-party injuries, property damage, or employee injuries can lead to costly legal fees and compensation claims. Insurance can help protect medical, health & science professionals from these potential risks while they focus on running their business.
| Risk scenarios | Coverage benefits |
|---|---|
| Professional negligence claim A client alleges that an error in your professional advice, treatment, or services caused them harm and files a lawsuit. | Professional Liability insurance can help cover legal defense costs and compensation claims arising from actual or alleged professional negligence. |
| Third-party injury A visitor slips and falls at your clinic, practice, or laboratory and is injured. | General Liability insurance can help cover legal fees and compensation claims resulting from third-party bodily injury or property damage. |
| Damage to business property A fire or severe storm damages your office, equipment, or other business property. | Business Property insurance can help cover the cost of repairing or replacing covered business property following a covered event. |
| Business interruption Your practice or facility is forced to temporarily close following a covered property loss. | Business Interruption insurance can help cover lost income and certain ongoing operating expenses while your business recovers. |
| Employee injury An employee injures their back while lifting equipment or assisting a patient. | Workers Compensation insurance can help cover medical expenses, lost wages, and other benefits for employees injured on the job, where required by state law. |
What types of insurance do medical and science practices need?
BizInsure combines Professional Liability and General Liability into a single package for medical, health, and sciences professionals. These insurance policies cover the common risks across this industry, from claims tied to clinical judgment and treatment to patient injury or property damage on your premises.
General Liability insurance
General Liability Insurance protects your practice if a patient or third party is injured, or their property is damaged, as a result of your business activities or services. It covers legal costs and compensation costs, such as a patient slipping in your clinic or damage caused to a patient’s belongings during a visit.
Professional Liability insurance
Professional Liability Insurance (also known as Malpractice insurance) protects medical, health, and science professionals if a patient claims your clinical judgment, treatment, or advice caused them harm. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
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How much does Medical, Health & Sciences insurance cost?
Business insurance cost for Medical, Health & Sciences can depend on several factors such as your selected coverage level, location, business size, claims history and more.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
We offer a flexible coverage levels to suit a broad range of medical, health and science services with complex needs.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
We offer a flexible coverage levels to suit a broad range of medical, health and science services with complex needs.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
Frequently asked questions
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
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