Protects home-based or commercial office space against fire, floods, vandalism and extreme weather. Available as an all-risk policy (covers a broad range of risks minus listed exclusions) or a named perils policy (covers only specific listed events).
If a fire forces office closure, covers lost income and ongoing fixed costs (rent, utilities, employee wages) during the restoration period so the practice can reopen promptly.
Covers third-party bodily injury and property damage not related to medical treatment. Examples: a patient trips on a rug edge and breaks an ankle (bodily injury); during a mobile consultation, a doctor smashes a costly vase at a patient's home (property damage). Distinct from malpractice coverage.
Medical records, patient identity documents and financial or payment details are stored and transmitted digitally. Covers data breaches and ransomware attacks on this information.
Doctors store sensitive physical documents including medical records. Fire or flood damage can make replacement costly. Covers both the cost of replacement and the financial value of irreplaceable documents that cannot be restored.
Employment Practices Coverage: covers wage and hour disputes, harassment, retaliation, discrimination and wrongful termination claims from employees. Necessary even for fair employers because situations can arise outside the doctor's control.
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What is Doctors' Office Insurance?
Doctors' office insurance, also called medical business insurance, is a combination of insurance coverages designed to protect you from financial loss in a wide range of possible events or scenarios that fall outside of your medical malpractice coverage. Business insurance for doctors' offices comes in two broad categories: general liability coverage and property coverage.
Business liability coverage on a doctors' office insurance policy pertains to situations where you are being sued because someone claims you are liable for third-party bodily injury or third-party property damage. It can also include additional coverages that apply in specific circumstances such as when you've been the victim of cyber crime or are being accused of discriminatory practices by a member of your staff. In the event that you are sued for a matter that is covered by your Ontario doctors' office insurance policy, your insurance company will provide funds to cover costs such as legal defence fees, settlements awarded by the court, medical bills, replacement for damaged property and more, up to the limits on your policy.
Property coverages on doctors' office insurance are designed to give you financial security if your property or equipment is damaged, destroyed or lost due to a covered event such as fire, theft or a natural disaster. With the right doctors' office insurance in place, you can recoup the cost of damage mitigation, property restoration and replacement for damaged or stolen items, so you're able to get your business up and running and start seeing patients again without hurting your bottom line or being forced to close your practice because you can't afford the cost of recovering from a disaster.
Is doctors' office insurance legally required in Ontario?
Medical malpractice insurance is legally required and is typically provided through the Canadian Medical Protective Association (CMPA). Other business coverages (CGL, commercial property, cyber) are not legally required. Practically: most commercial landlords will not lease office space to a doctor without adequate business insurance, making it functionally essential.
Who Should Have Doctors' Office Insurance?
Any type of medical professional who wants to operate a medical office needs business insurance coverage through an Ontario doctors' office insurance policy. Medical malpractice insurance is simply not enough to protect you from serious financial loss that can result from a wide range of risk exposures. Doctors' office insurance is needed by professionals and businesses such as:
