A properly built medical office program includes six core coverages: medical malpractice (professional liability), a business owner’s policy (BOP) covering property and general liability, workers’ compensation, stand-alone cyber liability sized to HIPAA breach exposure, employment practices liability (EPLI), and a commercial umbrella. No single carrier writes all six lines — the right agent stacks three to five markets and coordinates claims-first-notice reporting.
See our general liability and workers’ compensation coverage pages for line-level detail.
