Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 15, 2026.
GENERAL LIABILITY
Medical/Mental Health $25/month for general liability
WHY IT MATTERS
Why Medical/Mental Health need business insurance
Patient care brings professional responsibilities alongside everyday business risks. The right mix of coverage can address covered treatment allegations, workplace injuries, property damage and third-party claims.
SCENARIO 1
A patient falls in the waiting room
A patient slips on a wet floor and alleges an injury. General liability insurance may help pay covered medical expenses, legal defense costs and damages.
SCENARIO 2
A patient alleges a treatment error
A patient claims that an error in diagnosis, treatment or counseling caused harm. Professional liability insurance may help with covered defense costs and damages.
SCENARIO 3
A leak damages office equipment
A broken pipe damages furniture, computers and medical equipment at the practice. Commercial property insurance may help repair or replace covered business property.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services provided
Specialized, invasive or higher-contact services may increase professional and general liability exposure, which can raise the rate.
Staff and payroll
A larger workforce or higher payroll may increase the workers' compensation portion of a quote.
Patient activity
More patient appointments or a broader scope of operations may increase the liability exposure considered in a quote.
Property and equipment value
Higher replacement values for office contents, technology or medical equipment may increase the cost of commercial property insurance.
Claims history
Frequent or recent claims may result in a higher rate, while a record with fewer claims may be viewed more favorably.
Coverage selections
Adding coverage lines, choosing higher limits or selecting lower deductibles may increase the total rate.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national practice, rates and requirements vary by state and by carrier, as well as by where and how the business operates.
States of operation
Operating in additional states may change the requirements and rating considerations applied to the business.
Number of locations
Adding offices can increase the property and premises exposure included in a quote.
Travel and mobile services
Regular travel between facilities, home visits or other mobile services may increase driving exposure when business vehicles are used.
1,936
Quotes analyzed
51
States represented
6
Coverage lines
BEST RATE
How to get the best rate
Create a coverage inventory
List your services, locations, equipment, vehicles and current policies so each part of the business is represented accurately.
Confirm worker details
Review employee duties, payroll and contractor relationships before requesting coverage to reduce classification errors.
Document safety practices
Keep written procedures for patient safety, incident reporting, equipment maintenance and staff training.
Review contracts and limits
Check lease, client and facility agreements for insurance terms, then choose limits based on those obligations and your exposure.
FAQ
Common questions
What business insurance does a medical or mental health practice need?
The right coverage depends on the services, staff, property, contracts and vehicles involved. General liability, professional liability, workers' compensation, commercial property, a business owners policy and commercial auto may each address a different exposure.
Does general liability insurance cover treatment mistakes?
General liability insurance generally addresses covered third-party bodily injury, property damage and related claims rather than allegations about professional services. Professional liability insurance may respond to covered claims involving errors, omissions or treatment decisions.
Is workers' compensation needed for a small practice?
It may be required or requested depending on the practice's staffing and circumstances. Requirements vary by state and by carrier, so employee roles and payroll should be reviewed when seeking a quote.
What is included in a business owners policy?
A business owners policy generally combines eligible general liability and commercial property coverage in one policy. Available coverages, exclusions and endorsements depend on the policy and carrier.
What information is needed for a business insurance quote?
Be ready to provide details about services, staff, payroll, revenue, locations, equipment, vehicles, claims history and requested coverage. Complete and accurate information helps the licensed insurance partner evaluate the business's needs.