Business Insurance
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Protect Your Practice with Malpractice Insurance
Affordable coverage tailored for medical professionals, attorneys, and practitioners.
We serve families & businesses in
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Why You Need Malpractice Insurance
Mistakes happen. Even the most careful doctor, lawyer, or professional can face an unhappy client, a misstep in judgment, or a claim that feels completely unfair. One lawsuit can cost more than years of your earnings, and worse, it can tarnish the reputation you’ve worked your whole life to build.
Key Benefits of Malpractice Insurance
Shields you from devastating lawsuit costs
Ensures compliance with licensing and hospital/firm requirements
Covers legal defense and settlement expenses
Protects your reputation and livelihood
What Types of Business Insurance Do You Need?
We offer customized Business Insurance packages, no matter your industry, size, and risk profile.
General Liability Insurance
Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.
Commercial Property Insurance
Covers buildings, inventory, furniture, and business equipment.
Available as part of a Business Owners Policy (BOP).
Business Owners Policy (BOP)
Combines general liability + property + loss of income.
Ideal for small to midsize businesses.
Professional Liability (E&O)
Covers mistakes, errors, or omissions in your work.
Essential for consultants, real estate pros, and service-based businesses.
Commercial Auto Insurance
Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.
Workers Compensation
Mandatory in most states once you hire employees.
Covers work injuries, medical costs, and lost wages.
Cyber Liability Insurance
Protects against hacking, data breaches, and digital theft.
Highly recommended for businesses with customer data or e-commerce.
Umbrella Liability Insurance
Adds extra liability coverage above all other policies.
Protects your assets from major lawsuits or claims.
Medical Malpractice Coverage Options
Protect your practice, reputation, and license with coverage designed for real-world healthcare risks.
Professional Liability
Alleged errors, omissions, or negligence in care.
Consent to Settle
You decide before any settlement.
Defense Outside Limits
Legal costs don’t erode your limit.
Tail (ERP)
Extended reporting after policy ends.
Prior Acts
Backdates coverage for earlier services.
Regulatory/Board Defense
Licensing board & regulatory proceedings.
HIPAA & Cyber Add-On
Privacy breaches, ransomware, notifications.
Telemedicine
Virtual care across state lines.
Vicarious Liability
Clinic & owner exposure for staff acts.
Allied Professionals
NPs, PAs, RNs, aestheticians & techs.
Abuse/Misconduct Sublimit
Sensitive allegations with tight caps.
Contractual & Trials
Study coverage, indemnification, leases.
Who Needs This Coverage?
Physicians & Surgeons
MDs/DOs across specialties, including surgery and primary care.
Nurse Practitioners & RNs
Nurse practitioners, registered nurses, LVNs/LPNs in any setting.
Physician Assistants
PAs in clinics, hospitals, urgent care, and specialty practices.
Dentists & Orthodontists
General dentistry, oral surgery, endodontics, and orthodontics.
Therapists (PT/OT/SLP)
Physical, occupational, and speech-language pathology professionals.
Mental Health Providers
Psychologists, counselors, LPCs, LMFTs, and clinical social workers.
Pharmacists & Techs
Retail, hospital, and compounding pharmacy professionals.
Midwives & Doulas
Certified nurse-midwives and birth support professionals.
Chiropractors
Chiropractic physicians and sports/rehab chiropractic clinics.
Med Spas & Aesthetics
Injectors, laser technicians, and cosmetic treatment providers.
Telemedicine Providers
Virtual care across states, including multi-state licensure risks.
Home Health & Hospice
Visiting nurses, aides, and hospice care teams in the field.
Labs & Diagnostics
Imaging centers, lab services, and mobile diagnostics.
Students, Residents & Fellows
In training programs, clinical rotations, and residencies.
Don't see Your Business?
OnePoint covers additional business types not listed
Learn More About Business Insurance
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Industry-Specific Insurance Solutions
Retail & E‑commerce
Solutions for online and physical stores to boost sales and streamline operations.
Read More →Restaurants & Food Services
Tools to attract diners, manage bookings, and grow your food business.
Read More →Real Estate & Property Management
Support for agents, brokers, and managers to close deals faster.
Read More →Construction & Contracting
Build stronger client relationships and manage projects efficiently.
Read More →Nonprofits & Religious Organizations
Engage communities, manage donations, and grow your mission.
Read More →Beauty & Wellness
Solutions for salons, spas, and barbershops to attract and retain clients.
Read More →Professional Services
For legal, finance, and consulting firms to manage clients effectively.
Read More →Healthcare, Manufacturing, Energy
Industry solutions to scale operations and serve clients better.
Read More →Don’t see your industry? We probably cover it. Ask us
Why Businesses Trust OnePoint Insurance Agency
Fast, personalized quotes
Affordable plans with flexible options
Dedicated agents who understand small businesses
Claims support when you need it most
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Malpractice Insurance FAQs
Quick answers for physicians, nurses, and allied health pros—no fluff.
What is medical malpractice insurance?
It’s professional liability coverage for healthcare providers. It helps pay legal defense and settlements/judgments if a patient alleges negligence, errors, or omissions tied to your professional services.
Who needs it?
Physicians, surgeons, dentists, nurse practitioners, PAs, RNs/LPNs, therapists, counselors, med spas, clinics, locums, and telehealth providers. If you diagnose, treat, prescribe, advise, or perform procedures—you’re in scope.
Claims-made vs. Occurrence—what’s the difference?
Claims-made responds when the claim is made (reported) and your policy is active—usually needs a “tail” if you cancel or move carriers.
Occurrence responds based on when the incident occurred, even if the claim is filed years later—no tail needed.
Occurrence responds based on when the incident occurred, even if the claim is filed years later—no tail needed.
What is tail coverage (Extended Reporting Period)?
Tail lets you report claims after a claims-made policy ends for incidents that happened while it was active. You’ll want it when switching carriers, retiring, or leaving an employer. It’s a one-time purchase and can be pricey—plan ahead.
What limits should I choose?
Common options are $1M per claim / $3M aggregate or $2M/$4M. Hospital privileges, contracts, and state norms often dictate minimums. Higher-risk specialties or procedures may warrant higher limits.
Do defense costs reduce my limits?
Depends. Some policies include defense inside the limits (eroding your limit as legal bills accrue). Others place defense outside the limits. Ask for “defense outside limits” when possible.
What is a consent-to-settle clause (a.k.a. “hammer”)?
True consent clauses require your approval to settle. A “hammer clause” may penalize you financially if you refuse a recommended settlement. Know which version you have—this affects leverage and outcomes.
Will my policy cover telemedicine or aesthetics (e.g., injectables, lasers)?
Often yes, but it must be listed in your application and approved. Coverage can depend on licensure, scope of practice, setting (clinic vs. med spa), and the states where you treat patients.
How are premiums calculated?
Specialty risk class, procedures performed, location, limits/deductible, practice hours (full-time vs part-time), claims history, risk-management training, and whether you’re individual or entity all play a role.
What is a retroactive date / prior-acts coverage?
Your retro date is the earliest date your policy covers incidents from. When switching carriers, ask for prior-acts so you keep that original retro date. Losing it leaves a gap.
Does malpractice cover board complaints, depositions, or HIPAA/privacy events?
Many policies offer sub-limits for licensing board defense, depositions, and HIPAA/privacy investigations—but not all. Check endorsements and sub-limits; add cyber/privacy coverage if needed.
Are claim payments reported to the NPDB?
Yes—insurer payments for medical malpractice are generally reportable to the National Practitioner Data Bank. Expect credentialers and hospitals to see that record.
Can I get coverage for my practice entity and staff?
Yes. Policies can include the professional entity and employed/contracted professionals. Make sure roles (RN, MA, aesthetician, etc.) and locations are accurately scheduled.
How fast can I get a certificate of insurance?
For clean risks, same-day or next-day after binding is common. Complex specialties or prior claims can take longer due to underwriting.
How do I start a quote with OnePoint?
Easy—start here: Get My Malpractice Quote. We’ll shop multiple carriers, explain claim-made vs occurrence, and walk you through limits, tail, and consent-to-settle.
Talk to a Real Agent
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888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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