Physicians & Medical Offices Insurance

Medical professionals and healthcare facilities carry one of the heaviest responsibilities of any business — the health and wellbeing of their patients. With that responsibility comes significant insurance exposure that requires a carefully designed program to manage effectively. From malpractice claims and HIPAA compliance issues to slip-and-fall incidents in your waiting room and cyber threats targeting your patient records, the risks facing a medical practice are broad, complex, and constantly evolving. At Silva and Sons Insurance Services, we work with physicians, surgeons, dentists, chiropractors, physical therapists, urgent care clinics, medical spas, and medical offices of all sizes across Central Texas, Dallas, Houston, and San Antonio. We understand that no two medical practices are alike — a solo family physician has very different insurance needs than a multi-specialty group practice, an outpatient surgical center, or a concierge medicine practice. We take the time to understand your specific operation and design a program that fits. Medical Professional Liability Insurance — also known as Medical Malpractice Insurance — is the cornerstone of any physician's insurance program. It protects you against claims alleging negligence, errors, or omissions in the delivery of professional medical services. Whether you're facing a claim from a patient who believes a diagnosis was missed, a procedure was performed incorrectly, or treatment was delayed, professional liability coverage is what stands between you and a potentially career-ending financial loss. But malpractice coverage is just the beginning. Your practice also needs General Liability Insurance to cover non-medical incidents on your premises — including patient injuries in your waiting room or parking lot. Commercial Property Insurance protects your medical equipment, office furniture, and building contents. Cyber Liability Insurance is increasingly essential for medical practices, given the volume of sensitive patient data you store and the regulatory consequences of a HIPAA breach. If you employ staff, Workers Compensation Insurance is required by law in most circumstances and protects your employees in the event of a workplace injury. Business Owner's Policy (BOP) coverage can bundle several of these coverages into a cost-effective package for smaller practices. Our licensed brokers will review your current program, identify any gaps, and present you with a comprehensive medical office insurance solution at competitive rates from carriers who specialize in healthcare. Contact Silva and Sons Insurance Services today.

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