Protect the practice, not just the practice.
The business side of a medical, dental, chiropractic or therapy practice: the office, the equipment, the income and the people who work there.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Malpractice covers the care. This covers the office.
Medical malpractice covers claims about patient care, and it's written by specialty malpractice carriers. Everything else about running a practice is a business policy: the equipment and build-out, a slip in the waiting room, the income you lose when the office floods, and patient records if they're breached.
I package office coverage for outpatient practices, including property, general liability, business income, cyber and workers' comp, so it fits alongside the malpractice policy you already carry.
- Equipment and build-outImaging, dental chairs, computers and tenant improvements.
- General liabilityInjuries in the office that aren't about treatment.
- Business incomeLost income and extra expense after a covered loss.
- CyberPatient-data breaches and ransomware.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Practice: specialty, number of providers and locations.
- Office: square footage, lease and improvements.
- Equipment: value of major equipment.
- Revenue and staff: annual revenue, payroll and employees.
- Records: electronic health records and data controls.
- History: current policies and claims.
Medical office insurance, answered
Doesn't my malpractice policy cover the office?
No. Malpractice covers claims about patient care. Property, general liability and business income are separate business coverages.
Is expensive equipment covered?
Equipment can be covered for fire, theft and other causes, and equipment breakdown can be added for electrical or mechanical failure.
Do we need cyber insurance?
Practices that hold patient records often do. A breach can bring notification costs, regulatory issues and downtime.
What do underwriters rate on?
Specialty, location, equipment values, revenue and claims history.
Do you offer medical office insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your practice. I'll shop it.
Your specialty, location and equipment values are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.